 Welcome back to the Chastain Financial Hour. I'm Mark Elliott here with the founder and president of Chastain Financial. That, of course, is Carlo Chastain. Started the company back in 2004. Glad you're with us. We're going to finish up with a little mailbag segment. And these are questions that people have sent in. Maybe they've done it at one of the events that Carlo's put on or somebody just coming in has, hey, what do you think of this? And I always say this when we do these. The first question, for example, is Jonathan and Rogers. Jonathan, there's a lot of things that Carlo doesn't know.