 Morning, I'm Zach Brickner here with your Money Matters update presented by Allmire Financial Group. The Dow Jones is at an all-time high after gaining 590 points so far this morning to 40,802. The S&P 500 is up 28 to 5,659, and the Nasdaq is up 24 points to 18,496. Ten-year treasuries are at 4.2%. Crude oil is trading at just over $80 a barrel, which is a decrease of about 75 cents.