 From everyone here at Capital Wealth, we just want to wish you a very happy 4th of July. Please be safe. Make some awesome memories. Light off some fireworks. Enjoy some barbecues and just enjoy the weekend. Happy birthday, America. Hi, we're so glad you joined us today. I'm Luann Fulmer here with Mike Stevens. And if you think about your savings and, oh my gosh, is it going to last until the day I die? If that keeps you up at night, you're not alone.