 Good morning, I'm Zach Brickner here with your Money Matters Update presented by Altmyer Financial Group. The Dow Jones closed on Friday at 40,000 points, the S&P 500 ended the day at 5,615, and the Nasdaq closed at about 18,398 points. Ten-year treasuries are at 4.18%, crude oil is trading at $80.97 a barrel, the price of gold is at $2,416 an ounce, while silver is just above $31 an ounce.