 Jade Washaw, Ramsey Personality, is my co-host today. Sulaw is on the line in Hartford, Connecticut. Hey, Sulaw, what's up? Hey, how's it going? First of all, thanks so much for the work that you do. I've been following Ramsey Solutions for a while now and subscribe to the YouTube channel, and I'm really, really happy with the results that I've seen following what you guys do.