 And good afternoon, Charlie. As you said, stocks are lower and adding to weekly losses with the S&P 500 on pace for its worst week since April. The Dow is down more than 300 points, S&P lower by 40, with the Nasdaq dropping 110 points. The U.S. 10-year yield is at 4.24%, and small caps are down 5. Seven of the 11 main S&P sectors are in the red, with energy and materials providing the biggest drags, while health care is the group's