 and then you can possibly become Ramsey Trusted. So if you want to know who's Ramsey Trusted and is a high-octane, high-protein producer in your area, you can do that for free at RamseySolutions.com slash agent. Teddy is in Traverse City, Michigan. Hi, Teddy, how are you? I'm doing great, Dave. What a pleasure to speak to you today. You too, man. What's up?