 That's Ron Blue, our good friend. You can read more on this topic in his landmark book, Splitting Errors. Your calls are next, 800-525-7000. That's 800-525-7000. And if you prefer not to call, keep in mind, you can always send us an email at askrob at faithbuy.com. I'm Rob West, and this is Faith and Finance, biblical wisdom for your financial decisions. We'll be right back after this break.