 ahead of time. And so before the month begins, you've got to make your every dollar budget to plan your spending, track the expenses, and save for what matters most. And keeping a pulse on it, that's what allows you to actually focus and win. So go download EveryDollar for free in the App Store or Google Play today. All right, good stuff. Let's get back to the phones. We're going to go to Canada. Calgary is where we are. Gerald is there. Gerald, how can we help today?