 We are coming up to 6.30 on Wall Street. Good morning. I'm Karen Moscow. And I'm Nathan Hager. We're 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 Interactive Brokers. Interactive Brokers charges USD margin loan rates from 5.83% to 6.83%. Rates subject to change. Learn more at IBKR.com slash compare.