 I think of Hope Harbor literally as that lighthouse and that beacon that gives people hope that they know, for one thing, that they don't have to go through this alone. Find them online at HopeHarbor.net. Ramsey Personality, number one best-selling author, and my daughter is my co-host today. Open phones at 888-825-5225. In the lobby of Ramsey Solutions on the debt-free stage, Luke and Arizona are with us. Hey, guys, how are you? We're good.