 Consumer Portfolio Services, Inc. NASDAQ:CPSS Q3 2022 Earnings Conference Call November 10, 2022 1:00 PM ET Company Participants Charles Bradley - CEO Mike Lavin - COO Denesh Bharwani - CFO of Consumer Portfolio Services Conference Call Participants Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2022 Third Quarter Operating Results Conference Call. Todays call is being recorded. 