 Securities and investment advisory services offered through Osaic Wealth Incorporated, member FINRA SIPC. Gens Financial is located in St. Cloud and can be reached by calling 320-258-3688. And, of course, he is here in studio with us this morning, Niles Gens, AM 1450, FM 99.3, KNSI, gensfinancial.com, G-E-N-T-Z.com.