 Thank you for being with me. I've got to leave it right there because I hear my bumper running. It's what we call hard out. We've got to wrap it up or we'll get clipped. Dr. Michael Grayson, a credit expert. If you're having issues, check out his website. Perfect Credit, the number four in the word free. PerfectCreditForFree.com. News and issues are straight ahead. Stay with me.