 with Hoppy Kerchival is brought to you by Incova Insurance, encircling you with coverage to protect what you care about most. Visit Incova.com to learn more. Talk line from the Incova Insurance studios in the Dale Miller building. Let me go to Howard Monroe, WVLY in Wheeling, joins us via Skype. Howard, good morning. You're sleep deprived. You stayed up last night. You were on this morning doing your show.