 And a good afternoon. Welcome to Substation 2, Cherry Road across from Winthrop for another edition of our Straight Talk program presented by Founders Federal Credit Union. Relax, you're with founders. Our thanks to our co-sponsor today, Anderson Griggs Investments in Old Town Rock Hill. Common sense, intelligent advice for conservative investors. You can find out more online at AndersonGriggs.com. And our thanks to Good Pharmacy, your hometown pharmacy. Ebenezer Road at Camden Avenue in Rock Hill.