 Chad, welcome to the show. Thank you, Rick. Folks, before we get started and start hammering Chad with all of the roof and hail questions and all that kind of stuff, we do have to go through that disclaimer to make FINRA and the SEC happy. And that's that LPL Financial and FRS Financial do not endorse the guests appearing on Money Matters because endorsements are not allowed. Chad, I'm happy that you're here with us because I got some questions.