 That's right, but your job is to help yourself first by reaching out to us with your projects and your questions. So a couple of ways to do that, and call us right now at 888-MONEYPIT. And so you don't have to figure out what all those letters mean on your phone. I'll just tell you. It's 888-666-3974. Or you can very simply post your question at moneypit.com slash ask by clicking the blue microphone button. So we're ready. Are you ready? Call us right now with your questions. And Leslie, who's first?