text:  Welcome back in team to Clay and Buck. Quick turnaround. We'll come into debate preview for tomorrow. And also we got Jim Jordan joining us in the second hour. Some important breaking news. Talk to you about that when it comes to credit cards. I know it's not the thing that you're going to be signing up for day in and day out. You only need one or two, right? But it takes a compelling reason to sign up for a new one. If you've already got some, I've got one for you.