 Dr. John Deloney, Ramsey Personality, number one best-selling author of the book Building a Non-Anxious Life, host of the Dr. John Deloney Show, Ph.D. in Counseling. He's my co-host today. Open phones at 888-825-5225. Jennifer is with us in Tampa. Hi, Jennifer. How are you? I'm great. How are you? Better than I deserve. What's up?