 This is the Dave Ramsey Show on the Talk of Mid-Utah, KSVC, AM 980 and 100.5 FM, KMXD. Dave Warshaw, Ramsey personality, is my co-host today. Thank you for joining us, America. Sam's in Birmingham. Hi, Sam. How are you? I'm doing good, Dave. How are y'all? Better than I deserve. What's up?