 Thanks, Andy. Andrew Keschner, personal finance reporter at MarketWatch. By the way, if you haven't scrolled to our social media feeds in a while, you've missed a lot. We have fresh content posted every day, including highlights from the show, fun videos, and more. You can follow us now on Instagram, TikTok, Facebook, and X. 30 minutes now after the hour. On this morning, America's First News.