 We have to 630 on Wall Street. Good morning. I'm Karen Moscow. I'm Nathan Hager. We're nearly three hours away from the open of U.S. trading. It is time for the five things you need to know to start your day. And it's brought to you by Interactive Brokers. Discover the future of trading with their next generation trading platform, IBKR Desktop. Download IBKR Desktop at IBKR.com slash desktop.