 Mark Lee, Van Camp, and Robbins, now six days a week. Great Talk, Sunday through Friday at noon on 94.1 FM, WLAD. Dr. John Deloney, Ramsey Personality, is my co-host. Open phones at 888-825-5225. Jerry's with us in Phoenix. Hi, Jerry. Welcome to The Ramsey Show. Hey, thanks, guys. Thanks for taking my call. Sure. What's up?