 Well, we've made it to one of my favorite parts of the show where I answer your questions. And one of my producers, Britt, is here to help me out. It looks like we have a nice lineup today, Britt. Let's start with Ryan in Delaware. We do have a nice lineup today, John. And as a reminder for those listening today, if you have questions you'd like John to answer, you can always email those to radio at creativeplanning.com.