 You're listening to the Core Financial Retirement Show with Bill Gordley. If you happen to miss something on today's show, visit corefinancialnm4newmexico.com this coming Monday when the show will be available to listen online. Hi there, I'm Luann Fulmer. So glad you joined us this weekend. Of course, I'm here with Bill Gordley, president of Core Financial right here in Albuquerque.