 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. Had to take a cut in pay. I owe $90,000 on a $20,000 to $40,000 house. Had to be paid off in seven years.