 5.40, 20 minutes to go until 6 o'clock. And, yes, we will hear from Bill O'Reilly, get his morning update in just a moment. First, though, this Bloomberg Money Minute brought to you by the law office of Kelm and Reuter. They are attorneys who make a difference. And you can find them online. Go to kelmreuter.com. This is a Bloomberg Money Minute.