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I'm so glad you're with us here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And one way we try to empower you is through our powerful daily newsletters. And I just love the content that we provide you in our newsletters where you get bite size or you want a full explanation. You got it right there. Free newsletter at Clark.com/newsletter. Or newsletters, both work. And one topic that never goes away is scams. Why? Because they work for the crooks, and the scams never stop changing, and you've got to be on your guard all the time. A lot of people will say to me, I can't believe I got taken. I mean, I always laughed about these things, and then they got me. So know that criminals really have the ability to get in your wallet. Some of them start off as something that almost nobody's heard of. People get taken, and then they become kind of widespread. They say, oh, yeah, I've heard that one.