 Ramsey Personality, co-host of the Smart Money Happy Hour. Rachel Cruz, my daughter, is my co-host today. Open phones. The phone number is 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it. Phil is with us to start this hour in Fort Wayne, Indiana. I've got a problem with my D on here. Just bring it up. Bring up Phil for me.