 Good morning. I'm Zach Brickner here with your Money Matters update presented by Altmyer Financial Group. Currently, the Dow Jones is up 180 points to 40,181. The S&P 500 is up 34 to 5,649. And the Nasdaq is up 166 points to 18,564. Ten-year treasuries are at 4.23%. Crude oil is trading at $80.65 a barrel, which is a decrease of about 40 cents.