 And we're coming up to 6.30 on Wall Street. Good morning. I'm Karen Moscow. I'm Nathan Hager. We're nearly three hours away from the open of U.S. trading. It's time for the five things you need to know to start your day. Brought to you by Interactive Brokers Bond Marketplace. Access their vast selection of over one million global fixed income securities with no markups or built-in spreads and low transparent commissions. Learn more at IBKR.com slash bonds.