 12.20, time for our money news. We do that at 20 and 50 past each hour. The markets today with some positivity to talk about. The Dow up 313 points. The S&P 500 up by 28. And the NASDAQ up 114 points. Across the board, the big indices all higher right now by more than a half percent. Gold is up very slightly today, about $4 an ounce to 2,425. And oil futures today down by about a quarter to $81.97 a barrel.