 If you heard something in the news or if you're approaching your retirement years and you want to safely get to and through those ever-important, ever-changing years, this is your chance to hop on the air and call. And we have Joe and Charles. Or send in your open mic using that WDBO app. Joe, Charles, how are we doing today? Good morning. We're doing great, Josh. Good to be with you. And welcome back after your vacation you took there. Well-deserved, I'm sure. But anyway, Charles and I are here this morning to take calls. It might be on your listeners' minds, our listeners' minds, that we have been now for more than 30 years.