 And, by the way, they know the Ramsey stuff inside and out, so they're not going to give you advice that's contrary to what you're hearing here on the air either. We call them ELPs, endorsed local providers. They live there in your neighborhood, but they're the best of the best in your area, and they have become Ramsey-trusted agents. Be sure and check them out. If you want to find out who is Ramsey-trusted in your area, you can do that for free.