text:  We're up the creek or down the creek. Carroll Creek in Frederick City, Maryland. We're glad that you're with us. We have so many things going on down here. Make your way down right in front of Sweeties on the Creek. You can't miss us. It's a huge tent up and the fireworks and everything. So come on by. Right now we're switching gears. We've gone from financial planning to planning for your future with Alicia. Go ahead, Alicia. I'll let you.