 When is the last time that you refinanced your life insurance? That's what we're going to be talking about today and getting into the ins and outs of that. But as we get started, Patrick, Victor, always great to be with you. How are you this weekend? I'm doing well. I'm very happy for my co-partner here, Victor. He caught his first three walleyes with me. Oh, fun. So we had about an hour to fish and he caught his first three walleyes. So I was pretty excited for him.