 That's lower by 0.5%. On the U.S. Economic Fund, 8.30 retail sales. And regarding earnings this morning, UNH EPS beat estimates. And also look for Bank of America, Morgan Stanley, and Schwab to report in the pre-market. In the activist space, Starboard took a 6.6% stake in match. And wrapping things up, Sweetgreen was raised to equal weight over at Morgan Stanley. Live from the First Air Breaking News Desk, I'm Bill Maloney. Karen?