 And we are coming up to 6.30 on Wall Street. Good morning. I'm Karen Moscow. And I'm Nathan Hager. We are 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 IBKR. Financial advisors switch to interactive brokers for lowest cost global trading and turnkey custody solutions. No ticket charges and no conflicts of your interests at IBKR.com slash RIA.