 Good morning, I'm Zach Brickner here with your Money Matters Update presented by Altmyer Financial Group. Currently, the Dow Jones is up about 220 points to 40,431. The S&P 500 is up 21 to 5,653. And the NASDAQ is up 91 points to 18,564. 10-year treasuries are at 4.2%. Crude oil is trading at $79.50 a barrel, which is a decrease of $1.34.