 Welcome to the On The Money Show. My name is Dan White, and I am the host of your show. And this morning, we're going to talk about market risk today. I mean, everything seems like it's smooth sailing, but we're going to talk about some of the things that could upset the apple cart. Before we get into the program, though, we do have a couple announcements. We do have a giveaway today. It's a white paper called The Timing of Market Losses, a very appropriate giveaway concerning our topic today.