 Dr. John Deloney, Ramsey Personality, is my co-host today in the lobby of Ramsey Solutions. On the debt-free stage, Colin and Leslie are with us. Hey, guys, how are you? Good. Hey, Dave, how are you? Welcome, welcome. Where do you all live? We are from Cincinnati, Ohio. Fun. Welcome to Nashville. And on the debt-free stage, how much have you paid off? We have paid off a combined amount of $89,000.