 Investment advisory services offered through Retirement Solutions Investments, Inc., a registered investment advisor in the state of Utah. The Dave Ramsey Show, weeknights from 7 to 10 p.m. on the Talk of Mid-Utah, KSVC, AM and FM. Dr. John Deloney Ramsey, personality number one, best-selling author, is my co-host today. Angela is in Roanoke, Virginia. Hi, Angela. How are you? Hi, Mr. Ramsey. I'm doing just fine. Good. How can we help?