 You're back. It's Jill on Money, the program that tries to help you make better or maybe less bad financial decisions. It does not matter what situation you are facing. We would love to help you out. Both Mark and I are certified financial planners. We really want to pitch in and give you some guidance. If you need assistance, just go to JillOnMoney.com, click the Contact Us button, and we will get your note. Okay, next up is an email from Ronnie.