 Dr. John Deloney, Ramsey Personality, number one battling author of the book Building a Non-Anxious Life, host of the Dr. John Deloney Show, Ph.D. in Counseling, is my co-host today. Open phones at 888-825-5225. Jennifer is with us in Tampa. Hi, Jennifer, how are you? I'm great, how are you? Better than I deserve. What's up?