 Welcome to Hour 3 of Radio Law Talk. I'm your host, Frederick Penny. P-E-N-N-E-Y. P as in Paul. That's what my mom used to say. My name is Ann Penny. P as in Paul. E-N-N-E-Y. Yes, I'm related to J.C. Penny. And that's when we used to have the little J.C. Penny credit card things. The same question every time. You related to J.C. Penny? Yes, we are. But he left us nothing.