 You are listening to The Ramsey Show. And hey, I just want to remind you, this is your chance. If you've had a question about money, if there's been a question that you've had but maybe think it's a silly question or a dumb question or something you should know by now, there's no dumb questions in personal finance. It's all about learning and getting the information and putting it into action. So myself, Jade Warshaw, and George Camel, your other host today, we're going to help walk you through it again. No question is too silly. Matter of fact, you could just say, hey, I'm asking for a friend. And that way we can...