 Once again, here's Stephen and Adam VanWee. Welcome back to the VanWee Financial Hour. I'm Steve VanWee. And I'm Adam VanWee. And I remind everybody, lines are open, 904-222-8255. And the trivia question is out there. After the start of the year of 15% plus in the S&P, what is the average second half of the year return? It's positive and a whole number.