 As always, people on the program may have interests in the stocks they talk about, and The Motley Fool may have formal recommendations for or against, so don't buy or sell anything based solely on what you hear. I'm Dylan Lewis, joined again by Matt Argersinger and Jason Moser. Gents, we will, as always, have our Radar Stock segment coming in a second, but I do want to wrap our mid-year review by turning our attention forward a little bit. I'm going to ask you guys to make a few reckless predictions. First one, Jason, building on our rate conversation earlier,