 and telling them what to do using this particular software, EveryDollar. You can download EveryDollar for free in the App Store or on Google Play right now, and you can even go to EveryDollar.com if you want to. It's free to check it out. Go get started. Libby's in Orlando. Hi, Libby. How are you? Doing well. Better than I deserve. Good. How can we help?