 Good morning. I'm Zach Brickner here with your Money Matters update presented by Altmyer Financial Group. The Dow Jones closed yesterday at 40,211 points. The S&P 500 ended the day at 5,631. And the Nasdaq closed at about 18,472 points. Ten-year treasuries are at 4.23%. Crude oil is trading at about $80.82 a barrel.