 From the Ramsey Network, you're listening to The Ramsey Show. I am Jade Warshaw, one of your co-hosts today, joined by best-selling author George Campbell. We're going to be chopping it up with you all hour long, so give us a call. The number is 888-825-5225. Bring us your toughest money questions. Don't go too hard on us, Jade. Come on now. George, I was depending on you. I was going to say George can help you out. Sometimes you just want a soft toss.