 Now, drop down a list of the SmartVestor pros in your area. You can meet with all the different ones and decide which one you want, which one you match up with the best. You pick. RamseySolutions.com slash SmartVestor. They'll guide you through the ups and the downs of the market. Louise is in New York City. Hi, Louise. Welcome to the Ramsey Show. Hello, Dave. Thank you very much for taking my call. Boy, I sure need your help.