 Ken Coleman, Ramsey personality, is my co-host today. Open phones here at 888-825-5225. In the lobby of Ramsey Solutions on the debt-free stage, Malik is with us. Hey, Malik, what's up? What's up, Dave, Ken? So nice to meet both of you. It's been a long time. I've been following you. So good to be here. Well, so good to have you. Where do you live?