 I'm Dave Ramsey, and we're talking life and money on the Ramsey Show, weeknights 6 to 9 on your hometown station, KELY. All right, folks, don't forget 5 o'clock Eastern tonight, the Todd Stern Show on Newsmax, and we have a full lineup, so it's going to be a lot of fun. That's 5 o'clock Eastern on Newsmax.