 Thank you for joining us, America. We're so glad you're here. Open phones at 888-825-5225. Number one best-selling author and Ramsey personality, Jade Warshaw, is my co-host today. Thanks for being with us. Alyssa is with us in Dallas, Texas. Hi, Alyssa. How are you? Good. How are you, Dave? Better than I deserve. What's up?