 Good morning, I'm Zach Brickner here with your Money Matters Update presented by Altmyer Financial Group. Currently, the Dow Jones is up 300 points to 40,301. The S&P 500 is up 43 to 5,658. And the NASDAQ is up 189 points to 18,588. 10-year treasuries are at 4.2%. Crude oil is trading at $80.86 a barrel, which is a decrease of about 15 cents.