text:  First and fast with free talk from Frederick. 930 FMD. And, Buck, quick turnaround. We'll come into debate preview for tomorrow. And also, we've 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, though.