 All right, Michael Barr, thank you. S&P futures down 0.1% this morning. So are Dow and Nasdaq futures. The 10-year Treasury down 1.32%. The yield 4.33%. The yield on the two-year is at 4.74%. And the 30-year yield, 4.46%. NYMEX crude oil is up 0.8%, up $0.64 at $81.54 a barrel.