 And folks, this program is intended for Wisconsin residents only. It is six minutes after eight o'clock on AM 550 FM 99.9 WSAU and online at WSAU.com as well. I'm WSAU News Director Mike Leischner as we are joined live on the phone now by Merle Kelch, Kelch & Associates. We're making financial sense. You just heard his disembodied voice and now here he is live in all of his glory.