 an advocate with extensive experience in credit repair and financial literacy to join us. You can check him out. His website is Perfect Credit for Free. Perfect Credit, the number four, and the word free, perfectcreditforfree.com. He joins us today to take a look at this cross. Maybe you've been through it. If you want to join us, feel free to dial in the numbers, 888-914-9149. Hey, doctor, thanks for your time. Good afternoon.