 Welcome back to Financial Focus Radio. Thank you for joining us. If you'd like to sign up for our e-newsletter, Josh and I do a short video on the 15th and 30th of the month where we talk about markets and how that affects your money. Go to our website, northwestsquadrantwealth.com, and that's the only thing that we'll send you. So obviously we just recently concluded the first half of the year. The second quarter ended on June the 30th.