 We get Montgomery talking 24 hours a day. The River Region's most trusted voice. News Talk 93.1 FM WACV. Dr. John Deloney Ramsey, personality, is my co-host. Thanks for joining us at 888-825-5225. Daniel is with us. Daniel's in New York City. Hi, Daniel. How are you? I'm good. How are you? Thanks for taking my call. Sure. What's up?