 If you don't want to shell out the $35, that's okay. You can also check out our YouTube show called Jill on Money, powered by The Compound. You'll have videos there, but it's for free. Okay, let's get started this hour with Brandon, who's on the line from the Bay Area. Hi, Brandon. Hi, Jill. Hi, Mark. How are you all doing today? We are great. What can we do for you?