 You've been listening to The Fishing Report, brought to you on KSRM by Soldopna Trustworthy Hardware and Fishing, your fishing headquarters for the Kenai Peninsula. This is Dave Ramsey, and welcome back to The Ramsey Show on KSRM 920 AM. Jade Walsh, our Ramsey personality, is my co-host today. Thank you for joining us, America. Sam's in Birmingham. Hi, Sam. How are you?