 We're ready to do more. Let's work together. Together, we can improve health. Together, we can save lives. Learn how at americares.org. George Campbell, Ramsey personality, number one bestselling author of the book Breaking Free from Broke. He is my co-host today. Open phones at 888-825-5225. James is in Salt Lake City. Hi, James. How are you? Really good, Dave. How are you?