 I'm Dave Ramsey, and you're listening to WRHI 100.1 FM, your home for news, talk, and sports. Welcome back to the Ramsey Show, 888-825-5225. We've got Will Rutter filling in on the, I don't know, he turns all the knobs over there, and he is the world's greatest Smashing Pumpkins fan. Obsessive. Can't stop listening to them.