Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q4 2018 Earnings Conference Call February 13, 2019 1:00 PM ET Company Participants Charles Bradley - Chairman, President & CEO Jeffrey Fritz - EVP & CFO Conference Call Participants David Scharf - JMP Securities Kyle Joseph - Jefferies Jim Henry - Automotive News Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2018 Fourth Quarter and Full-Year Earnings Conference Call. Today's call is being recorded. Before we begin, management ha ...