 Welcome back into the Financial Safari. Consumer advocate Thomas Lipscomb here with you once again alongside Steve Siddall, Bruce Rosenblum, as well as best-selling author Coach Pete DeRuda. It is a very fast-paced show we're having. We get a lot of questions here on the show every week as well. Folks, if you'd like to have your own questions answered, head over to FinancialSafari.com. That's FinancialSafari.com. There's a big old red button right there at the top of the page where you can ask your own question.