 8.07, the time here on a Monday morning. We're joined by Tracy Axton from FMS Bank. Good morning, Tracy. How are you? I am well. How are you guys? We are fabulous, as we like to say. Yeah, I don't know that we could be better. We're well-rested. We have great attitudes and just excited about the joys that today has to bring. And just so you know, Brian's a stone-cold liar. Tracy, what's going on with the interest rates here?