 if you use them or not. So Ramsey Trusted Agents, a lot of experience, a lot of wisdom, and a lot of them out there for you to choose from. They're going to help you with pricing, marketing, making, choosing the right offer. You can find your Ramsey Trusted Agent for free at ramseysolutions.com slash agent. That's ramseysolutions.com slash agent. All right, Phoenix, Arizona is where we're going to go now. Josh is there. Josh, how can we help?