 We go to our phone lines. We've got Pamela Anson standing by. Pam has been Director of Brand Outreach for the Better Business Bureau and comes to us on a quarterly basis just about, give us updates on some of the latest scams and some of the information that we all need to be aware of out there. And with that, well, first of all, we welcome you, Pam. Thanks for joining us today on Our Aging World. Thank you for having me. It's always a pleasure.