 Hang on. We'll get you signed up. Austin will get you signed up for Financial Peace University. We'll get you into the class where you're learning how to handle money, and this all goes in your rearview mirror then. And this is the year of life change for you. So some of it bad, some of it good. And we're here to walk with you. So hang on. Austin will pick up. Joseph is with us. Joseph is in Salt Lake City. Hi, Joseph. How are you? I'm doing pretty good. How about yourself? Better than I deserve. How can we help?