 Open your Royal Credit Union Smart Checking account online at rcu.org slash gochecking. Insured by NCUA. Good morning. I'm Kathy Werzer with NPR News. It's a new day, new week, new month. It's Monday, July 1st. It's a cool start, too. Temperatures are in the 40s across northern Minnesota right now. Highest today, upper 60s, mid-70s.