 Welcome back. This is Chris Murray, your financial editor on Free Talk Radio 930 WFMD at WFMD.com. And as a podcast, just go to Apple Podcasts and you can grab it there. As I mentioned right before the break, we were going to be jumping into our conversation with our guest today, Mr. Andy Smerek. He's a senior fellow at the Manhattan Institute where his work focuses on education, civil society, and the principles of American conservatism.