First off, hope you all had a great week off; also, we had to amend some things we said after a few drinks last episode. Something about IRA's being tax-sheltered. Anyways, with all the doom news going on, we had to provide some good news to talk people on the consumer level off the ledge. However, there are things to be concerned about. Although, for the most part, the economy is in pretty decent shape. So cheers to that.

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