 Glad to have you with me on a Tuesday. And, by the way, happy Independence Day week. This segment of the show is brought to you by NickShivers.com for an instant offer to sell your home immediately. No showings, no hassles, and you pick a closing date. NickShivers.com for details. Let me go to Jeff, who's a naysayer. Hey, Jeff, we love naysayers. Welcome to the show. Thanks for calling. What do you and I disagree about that makes you a naysayer? Jeff's phone drops out. Jeff, are you still there?