 Welcome back in to the Financial Safari. Consumer advocate Thomas Lipscomb here with you once again alongside Bruce Rosenblum as well as Pete Ustick. We're trying to stump best-selling author America's Wealth Finance. You're not trying to stump me. Come on now. No, I try every week. It is my secret, secret plan to stump you. Oh, we have fun here, don't we? You're not fired yet. You've been here 10 years. Thank you, thank you, thank you.