 Dr. John Deloney, Ramsey Personality, is my co-host today. Thank you for joining us, America. We're glad you're here. Buffalo, New York is next. Hicks is on the line. Hi, Hicks. How are you? Hey, Jay. How's it going? Better than I deserve. What's up in your world? Dave, I got a question for you, Dave. I hope you can help me out here. I've been trying to decide which way to go here. Okay, recently retired. I had a medical condition that forced me to retire.