 Welcome back to the Your Personal Bank show. This is Ference. If you want to contact me, you can do so at yourpersonalbank.com. Again, you will reach me at yourpersonalbank.com. So I've been discussing today, what is your personal bank? I'm also going to discuss why today, right now, with the current economy, interest rate environment, everything that's going on, why this is a particularly good time to consider your personal bank as part of your portfolio.