 Thanks, Jack. Always a pleasure to speak with you, and I'll talk to you next time. All right. Always great information. Thank you, Joe. We'll talk about business planning. You can do everyone in the family a favor. Thank you, Joe. Guardian and its subsidiaries do not issue advice or regard to mortgages or real estate. Guardian and its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional.