 of what these things really are and what they really do. So the window dressing will appeal to you if you are ignorant, but if you listen to this program, you're clearly not ignorant because you're finding out more and more what these things really are. But that's one reason why this is important, that you have clarity and understand what's really at stake here so people can't fool you. There's a lot of that going on right now. 888-914-9149. How about Nick in Chicago? Good morning, Nick.