 Good morning, I'm Zach Brickner here with your Money Matters Update presented by Altmyer Financial Group. The Dow Jones closed yesterday at 41,198 points. The S&P 500 ended the day at 5,588. And the Nasdaq closed at about 17,996 points. Ten-year treasuries are at 4.15%. Crude oil is trading at about $81.57 a barrel.