 Saturdays here on the Money Station, join me, Michelle Gerson, for Passport Mommy. Consider me your radio au pair on raising children under today's social microscope and presenting innovative products moms and families need to be aware of. Saturdays, 3 a.m. on the Money Station, a.m. 1410, KBNP, Portland. It's time to ask Bill Barham. Bill Barham is Senior Vice President, Senior Portfolio Manager at Orca Investment Management, LLC.