 With the speaker's lobby, Chad Pergram, Fox News. The Dave Ramsey Show, weeknights from 7 to 10 p.m. on the Talk of Mid-Utah, KSVC, AM and FM. Jade Walsh, our Ramsey personality, is my co-host. Kurt is in Philadelphia. Hi, Kurt. How are you? I'm good. How are you? Better than I deserve. What's up?