 Dr. John Deloney, Ramsey Personality, is my co-host today. Thank you for joining us, America. We're glad you're here. Frank is in Miami. Hi, Frank. Welcome to the Ramsey Show. Frank? Did I push the button? Let me try again. There, I did push it wrong. Hey, Frank, how are you? Hello, Dave. Hello, John. Thank you so much for picking up my call today. Sure. How can we help?