 All right, if you'd like to take one of us up on a free retirement review, one of us will give you an hour of our time to talk about anything in your financial life. So if you have at least $500,000 of investable assets, you can call our office to get one of those meetings scheduled. The number here is 800-743-0988. Or you can always send us an email by going to our website, northwestquadrantwealth.com. When we come back, we are going to sort of delve into portfolio construction, how you go about doing it, and then the rules-based investing that goes along with that. So stick around.