 Do some homework. Know what they're talking about before you go there. Okay? AM 1450, FM 99.3, KNSI Sports in a moment. Also going to chat with Christina Buttenhoff with the wraps on the 4th of July for the city of St. Cloud in just a moment. But right now, this Bloomberg Money Minute brought to you by the law office of Kelm and Reuter. They are attorneys who make a difference. You can find them online at kelmreuter.com.