 You're back. It's Jill on Money. We are here trying to help you make great, less bad financial decisions. If you have something going on in your life or you just have a question about something going on in the economy, maybe it's interest rates or mortgage rates, just give us a holler. Go to JillOnMoney.com and click the Contact Us button. Let's go to Maria, who's on the line from California. Today, we are talking to Maria, who's on the line from California. Hi, Maria. How are you?