God’s Part

First Chronicles 2911 reads everything in the heavens and earth is yours, O Lord, this is your kingdom as being in control of everything. Rob West, God created owns and controls everything, right down to the change in your pocket. We certainly have a part in managing those resources, but so does God talk about that with Howard today that it's all your calls at 800-525-7000 800-525-7000. This is moneywise live biblical wisdom for your financial decisions are guest is compass, finances, God's way and former host of this program. Howard always great to have you back with us well, it's always great to be with you Rob. So Howard Scripture teaches.

There are two parts to the handling of our money. You've taught this for many years. There is God's part and ours, but that still leaves room for confusion when you agree, I sure would Rob for me. Most of my confusion related to handling money was for this reason you didn't fully understand it. God had a part. I had a part but clearly God's part is the foundation in Scripture. God calls himself by more than 250 names and the name that best describes his part in the area of money is Lord and it's really important that we grasp how we view God because it really determines how we live and you think about it.

No Job that he lost notice children. He lost all his possessions and just a very short period of time.

But why was he still able to worship the Lord. And it's because he knew God and he knew God's role as owner of those possessions and even his children, not exactly right. And there are three key areas where God fulfills his role with our finances. Those are ownership, control, and provision of love for you to speak to each of these briefly, let's begin with ownership. Well Rob, it's really clear that God is the owner of everything. Psalm 24 one tells us the earth is the Lords and everything in it.

Yes, as Scripture even reveal specific items God owns Leviticus 2523 says he owns all the land had got to eight reveals that the silver is here is the goal to split his and if Psalm 5010.

The Lord tells us for every beast of the forest is mine and the cattle on a thousand hills in your Rob and you think about it Lords the creator of everything and he never transferred ownership of his creation to us and recognizing God's ownership is so critical in Christ, becoming the Lord of all of our money and possessions.

That's exactly right.

So that's ownership. Let's move to the second area of God's role as being in control.

Well I love that passage that you have read that the opening we adore you as being in control of everything.

Does anybody have any questions you really clear here is everything, and that's huge to grasp that. Well that's exactly right. Alright, so there's God's ownership and then there's God's control, and now will talk about that third area of responsibility, which is provision yeah and this is really a blessing to grasp that the Lord himself is the one who promises to meet our basic needs. Never forget this in Matthew 633, Jesus tells us, but seek first the kingdom of God and his righteousness and all these things, meaning food and clothing shall be added unto you. In Genesis 2214 God is spoken of as Jehovah Gyro which means the Lord will provide an Rob in my experience and I know years, we've seen God taking care of his people, regardless of what happens on the stock market or have Afghanis doing and that's comforting us well this is so helpful Howard to talk about God's role in the area of owner and being in control of everything and ultimately as provider in the few seconds. We have remaining. Talk to those folks who are wondering why God allows difficult things to happen in light of those roles. We can still go through some challenging times. Can we we sure can. I think there's three basic reasons. First, he's may be developing our character. Second, he might want to accomplish something and we realize that tough time will get us there. And thirdly, maybe there's areas were not following him and he's in a loving way, disciplining us that to get our attention lower. This is so helpful, so foundational, perhaps next time you're here will explore our role in managing God's resources thanks remain with us, my pleasure. Thank you, Rob. That's our game. You can read a lot more about this topic in his book your money counts your calls or next. 800-525-7000. This is moneywise live be right back.

Delighted to have you with us today moneywise live on Rob West your hose taking your calls and questions on anything financially love to hear from you.

We got slides open 800-525-7000. That's 800-525-7000. Let's begin today in Davenport, Iowa Jeff, thank you for calling.

How can help user might we we have approximately one account. We got in a money market hundred $81,000 now that a long-term type yellow alert for money but was maybe we could get a little more ops.

They split and $50 amount that and go on with no index funds from Fidelity or something and not just capture the growth of the market, but we have some division on that because one board member doesn't feel that we should ever subject that money a lot, but families talked about the parable of the students that left and let them return to the money and in the one that didn't do anything with it but Barry it really got admonished. Are we thinking is correct on this to you. Thank you. I can give you my perspective on and I'm not sure there's a definitive right or wrong answer.

I appreciate so much you will not really talking this through, and I think that's the role of this is a particularly this particular lay leadership body, you know, my perspective is first of all, you should absolutely have cash reserves and you've got a defined and have a policy as to what the appropriate amount of cash reserves is for your church. I think not having any is inadequate. I think having more than 12 months would probably be excessive. So somewhere in there I think most churches if they have the ability to do so would say somewhere between six and in 12 months would probably be right, but ultimately you need to establish that policy for your church and that should be in cash or near cash type assets in terms of holding that cash reserve because that's there and should be immediately available if it's needed, and there would be a number of things to consider as you determine that the I think that would be first of all, in addition to any mortgage reserves that are required by lender. Secondly, it depends upon the financial condition of the church, whether or not you're projecting a budget.

You know that is going to be increasing or declining so it needs to be in line with that, and you need to just understand how important cash reserves are to faithful administration of the church's resources just to be a good steward. But beyond those cash reserves defined in that way. I'm not an advocate for taking any additional surpluses and putting them at the risk of the market. I just don't think first of all, that was the purpose in which they were given in terms of, you know, they were given to the church to be used for ministry to be used for the needs of the church and if you have access. I would be looking at asking the question you what was this given foreign do we have opportunity to do more to spread the gospel to serve the needs of the church and those in the surrounding community not to yell have the uncertain hope of getting a large financial return. Later, when no direct kingdom ministry is being done by that money year after year. So I think for that reason I would avoid this, and I would say it's different for a church to think about this, then perhaps a family who saving for retirement.

You're the long term down the road. The church has no need to prepare for a time where they're not able to work like an individual or family would with a retirement fund because of their no longer receiving contributions they would close their doors. So I think for a church it's really in my perspective about first defining what is that appropriate amount of cash reserve and then establishing a policy around that and then beyond that, saying the rest of this was given to execute the ministry functions of the church.

So let's get about the business of doing that not putting it at the risk of the market, but give me your thoughts on that. Jeff board meeting last night that part of the more actually shouldn't that we should be using more of our money than we are and the other part didn't want to lose anything and not another part says four were in our reserves are keeping up with inflation. You know were losing money just because of inflation so leaked out and I think that question quite well that that know that his and the thing to do with this particular money.

We should be using. We can set what we need and then he ministry with whatever's left that certainly were. I would come down in terms of developing that philosophy and policy around the cash reserves. I would direct you to an article that you should be able to find with a quick Google search by the ECF, a Evangelical Council for financial accountability called church cash reserves. How much is enough and it was authored by Dan Busby and Michael Martin but it's a great article that really just dives into this question of the scriptural basis and the process for determining the appropriate amount of cash reserves for your church again. Church cash reserves. How much is enough.

But I would agree with what you just summarized and that is beyond that amount that you all determine. I would not be looking for risk assets and investments I'd be looking at the doing the work that that God has called you to through the church. Jeff, I hope that helps. We appreciate your call today.

May the Lord bless you search out to Colorado Springs, Colorado.

Samuel, thank you for calling. How can I help you Michael Alter my question. I'm trying to hold 1/2 early either. And I want Google update log during our to minimize amount of light because their war and cold.

And my PA funding like a hot pink local government by committee and so II think about going out something minimal but then all Michael I went I all I won't live better. I don't know it better.

Also I learned back with the whole night cash bond you earn, what kind of my country. Impacted if I deal all night… Me. I do only get about one because I would not looking underneath your uncle Ella. I can plan out how to cancel yes well first is defined Samuel the difference between term and whole life insurance and I think you understand the general idea that term life is what I'll call pure insurance where whole life adds a cash value component as you described that you can tap into your life during your lifetime.

So term insurance is just straight death benefit to offset a risk that exists the whole life is a combination savings and death benefit your term coverage would just as it says cover you for a limited number of years where his whole life can provide lifelong protection if you can keep up with the premium payments whole life would typically cost somewhere between five and even 15 times more than a term policy for the same death benefit. So it's often not an option for some folks and as a result they end up being underinsured. Not having enough coverage. I also believe you can do better with your long-term savings outside of an insurance policy and have full access to your funds without surrender penalties and added costs which is why I'm a fan of term and invest the rest, as opposed to whole life that also gives us the most affordable way to get the proper life insurance coverage that's needed which I would say you know typically we would say that minimum of 10 times your earnings as a starting point and then we look at perhaps an additional amount to pay off a mortgage cover the cost of college. Things like that, you know, as opposed to you taking this out for your kids payable to you because you recognize that potential hardship that risk of one of your kids passing away would fall on you in terms of caring for their families. Yeah, that's one way to go. I would probably take this as an opportunity to educate them on the importance of good stewardship includes being able to provide for your families. After your life and life insurance is one of the key ways you do that you during your working years in your really imparting this idea to your sons and daughters that you know what you need. As a steward to make sure you have proper life insurance of the Lord were to call you home your families with minor children and you while you're still in the working years with the loss of your income would have a real hardship and therefore term insurance would not allow you with a 20 or 30 or policy at a very inexpensive price point to build that right into your budget and cover and provide for your families beyond your life and I think just educating them on the importance of that would be really important. So perhaps you need to have that sit down with your kids to talk them through the role of life insurance is a good steward and why term insurance or pure insurance is the most cost-effective way to make sure they have adequate coverage that would really offset the significant need that would exist if they were to die naturally so hopefully that helps you Samuel. I appreciate you thinking about this.

It certainly agree 800-525-7000 and thanks for tuning in to moneywise live biblical wisdom for your financial decisions. This is the program where each afternoon we explore God's word and apply his timeless wisdom and symbols on money, possessions to the decisions were making every day as were stewards of God's money, were glad that your loan with us today taking your calls and questions. We got two lines open 800-525-7000 before we head back to the folds of her mind you, moneywise media is listener supported.

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It's all there again moneywise.org/was give me just click the donate button when you get to moneywise.org and thanks in advance Ari lets it back to the phones today. We've got a lot of great questions all lined up here. Next up is Tracy in Chicago and how can I help you, insert ministry over the years I share with everyone.

Patient experience in ministry, thank you both. When canal five years before he retired. We want to know what our area who want to get started with conducting how we do have a deferred comp at work that we wanted to hang out like a Roth IRA or maybe get on I got on the betterment at the question about if you want to do it as a married couple or single and we want to do a couple might want to make sure that the right approach to dictating my other quick question. I know how can I get credit for. We both have a vehicle in our mortgage because everything both pouring my heart nicknamed him I don't really see my credit been affected by both white look of our credit notes and just found you had a positive impact because of our own time payment.

Yes, yes, very good.

Well, couple of thoughts on both of these. Let's tackle the retirement question. First, Tracy. I think that the best starting point is to do some retirement planning. If you you could take advantage of one of the many retirement planning calculators online or even better than that would be sitting down with a financial planner, probably a CFP. I'd recommend somebody who's also a certified kingdom advisor that could really help you think through retirement look at what your lifestyle spending is now what you expected to be in five or more years down the road when your husband is ready to retire. Most often, folks will live on somewhere between 70 and 80% of their pre-retirement income in retirement because they're no longer putting money aside for retirement. Hopefully their debt free. At that point they may drop their life insurance. The kids are off the payroll.

So typically lifestyle spending comes down but whatever that number is want to define it and then we want to compare that to what known income sources you'll have at that time your deferred comp. What would you expect that to generate on a monthly basis and Social Security any other retirement sources, and then if there's a gap there. That's where your additional investments. Your retirement savings between now and then and or your continued work, let's say part-time or something like that you will offset that in that's really going to tell you. Are you on track with what you've already done and what you already have in place or is there a shortfall that needs to be made up with a real concerted effort over the next five or more years like you're describing. Then as we define what is needed to be put away to meet those goals then we want to look at what are the best vehicles to invest in. I think a Roth IRA is a great option. I like betterment with a Roth.

It would have to be an individual Roth and one person's name.

If you're doing taxable investing which I'd always offer Yosef suggestibility retirement accounts withers tax deferral or tax-free growth in the Roth, but if you have additional funds you want to invest.

It's not a party or emergency fund. I would do that in a joint account like you described where there's a right of survivorship.

There is of one of you passes away the other person immediately has full ownership of the account, let's do this, looking to take a quick break we come back on the other side of the break. Talk about your credit score and that's just this is moneywise live stay with thanks or to any of the moneywise live about a because we got some great questions lined up today counties in Florida wants to talk about life insurance and tire men.

Michelle was to talk about tithing before you have your debts paid off including your home and Marie has said questions about credit cards but Tracy's been holding a Tracy just before the break we were talking about retirement.

I know the second part of your question had to do with a limited number of accounts being reported to your credit file which is working against you because you have a lack of history and we know that the lack of activity on that credit report is going to cause your credit score to not be as high as it could be if you had good positive activity being reported to that report so couple of thoughts. One would be you know if you bought the home in your husband's name because perhaps he's the one who's working outside the home and it was his income that was being documented obviously are not in a refinance in or you go through the process of changing the deed just for the sake of your credit report, but the next time you buy a car even if you don't need your income to do it. Perhaps you go ahead and put yourself in that mix so that your taking it out in both of your names Debbie.

One thing certainly anytime you get a credit card feel as long as you're using for them for budgeted items in your paying it off every month.

I have no problem with credit cards and that's a great opportunity for you to be able to you have that history reported to your account either as a joint owner or as an authorized user gear that will come over. You can also look at some of the newer options. For instance, Experian has been marketing their new product called Experian boost where no accounts like utilities are reported to your credit file, which historically has not been done, but you can get that positive information coming over.

But that's assuming that those are in your name as well as your husbands, so I think you just need to have some intentionality moving forward about making sure that these accounts are including you or that you have your own so that you can get that regular reporting going to your report in a way that's can build your score over time to set make sense. Thank you so much and welcome. Thank you for your call today. We appreciate it I were to stay in Chicago. That's where Marie's located Marie how can I help you sure I get my late name on my window seven years and I'm out of right theater on the card I had notified the company that he would have to wait that they close out the account so that Capt. now says they paid no balance, and if I do, you then pay it off within 30 days.

Is it required that untainted Melinda my name on the time they say if I changed it and I have to close the account and then reapply for credit in my name even though, and not write you on the account already yes that's actually the way that it should have been done you.

All credit card accounts should be closed immediately after the primary cardholder dies unless it's a joint account where you just notified them and it would become that an individual, although a lot of folks don't have joint accounts you would typically see it the way you did it where you are an authorized user. So what I would do is know since they're continuing to allow you to use this. Perhaps they just haven't realized, and I would go ahead and you open an account in your name, which is good practice anyway because you know it and less folks have these set up as joint accounts.

If it hadn't gone down the way it has in it should have been, and it was handled properly.

Those accounts would been closed immediately. Marie and then you'd be left without a way release to be a hassle for you to figure out how to pay for things in the interim, and you may have automatic charges that would all have to be replaced and so forth. And that's why it's important for a spouse.

Susan authorized user to also have an account in their name as well so I would begin that process of finding an account that you think would be good with no fees that perhaps gives you some cash back you can look@bankrate.com or credit cards.com even nerd wallet.com to rank or rate the various credit cards to find the one that's the best fit for you.

Get that account in place and then once that's done, you know, go ahead and get that other account closed out and then switch everything over, but essentially that's what should have already been done and it will be important that you go ahead and reestablish that with you as the primary cardholder. Does that make sense okay very much you're very welcome. We appreciate your call today. Michelle is in Miami.

Michelle how can I help you yes thank you for taking my call. I've been following the date today remedy 27, step baby step seven states that do not donate or give a create wealth until after you get your house pay off your house early nothing better. My question is, but I want to lick my church and I mean that I have to wait until I finish my house until if I can even donate no not at all, and in what I would tell you is your date as a friend. He's done does great work. He's probably has the biggest platform to share God's principles of managing money than anyone, and what I would tell you he would say is that we should be giving or tithing right off the top and I've even heard them say whether you're in debt or walking through a rough financial seasons tithing should still be a priority. So I would absolutely affirm the idea and I believe he would as well that you should be giving right off the top. That's between you and the Lord as to how much of you going to follow the Old Testament principle of the time you give 1/10 systematically off of your increase so I look at whatever provision is coming into you and then you give starting with your local church. I think perhaps what Dave is talking about there on the baby steps is no additional giving your other charitable sacrificial giving yelp I perhaps that's where maybe we would disagree bit, and I would be saying I certainly wouldn't wait and I don't think I've ever heard him say this, but I wouldn't wait until your mortgage is completely paid off before you're doing any additional giving beyond your tithe and I think that's a conversation between you and the Lord.

I would hope the year living within your means in such a way that you have margin that you could follow the leading of the Holy Spirit to accelerate your giving over time.

I know Dave has taught for many years. One of the reasons that he so excited about people getting out of debt is so they can give more so he's a big proponent of giving. I think the question is the sequencing and I would say you should be listening to the Holy Spirit and living in such a way that you have margin so you can accelerate your giving, not down the road as you're getting close to retirement with the house paid off, but now and then when that happens that's an opportunity for even more giving because you can have even more margin, but I wouldn't miss the opportunity that perhaps the Lord has for you today in lieu of something that's going to come. You know, years or even decades down the road. So ultimately that's a conversation I think between you and the Lord but I think I Dave and I would be the first to say that tithing to your local church that systematic giving right off the top should come first before anything else is a make sense. Michelle one more question. If not I can hang up okay I got to about 30 seconds so you depends on how long the question is mom will find should be a one year right now have one years worth that much. Yeah that's a good question. You know, I know how tight things are a single moms for counseling, hundreds of them over the years and so I would just say look at the income that the Lord has provided in the stability other and determine whether you feel like here is warranted.

I think six months is certainly a great target and depending upon the uncertainties and how tight things are with you as a single mom, I think, up to a year could be perfectly appropriate so I want to drill down a little further, but I don't think there's anything wrong in that way. Stay with us much more to come back moneywise live just before the break we were talking about getting generosity and you know if you're ever going to give to your full potential. What God potentially has for you. I think we need to be asking ourselves several first who owns we gotta recognize God's ownership of everything that is entrusted to a second, how much is enough do I know what my finish lines are including my lifestyle income but also my accumulation my balance sheet and when we do find that that frees us up to get even more. I think 1/3 question is what is my kingdom vision do I know what God's heart is for the world and have I asked him to show me how I can participate with him. You will never out. Give your vision for giving the next question we need to ask is do I have giving relationships that impact my thinking about generosity MI in a community of people that are spurring me on to either even greater giving and then I think we also need to be asking my giving reactively or proactively. Do I have a plan to give at the level that I want to give or do I just react emotionally and perhaps spontaneously when giving opportunities arise, you know, if we're asking ourselves these questions. That puts us in a position I think to be intentional with our giving and give it a level that ultimately we can and hopefully that's an encouragement to you today as you think about your own generosity. But, let's head back to the phones. Dan is in Canton Ohio.

Dan, thanks for calling your patients. They how can an officer give you all my stuff for I I'm seven years old. My wife is 69. They both take a lot of drugs in about three years. I have everything paid off except for your regular like house payments are not that that house insurance and no utilities and such in my car. I don't know how much insurance I should keep and I've got about $350,000 worth of mostly whole life insurance. How long should I keep it. Should I just get rid of my insurance now that were older and pay everything off or what yes do you all were your sources of income. Right now Dan, I've got pension and would both on Social Security we bring in about 100,000.

Okay so here's the reality is that you no longer have dependence and if something were to happen to you, that wouldn't create a hardship financially speaking for the other spouse because your income is suspect is set as long as the pension would continue to be paid to the other spouse. Obviously Social Security would so no potential you're in a situation where you no longer have a need for life insurance because you're essentially self insured you have the assets that are going to continue to be paid out. Should the Lord call one of you home and your is you said going to be completely debt free in three years at that point, your lifestyle spending would be even less so. I think this is an opportunity unless there's a reason that you will want to continue to carry a death benefit you into the future. There's a reason for you to look at potentially tapping into that cash value repurposed thing that in another form of investments and dropping that life insurance covered because so you simply don't need it but tell me your thoughts. Thinking we should keep an upright parent to pay for burials in our it in again times there is a question would be do you have enough in the way of assets, though the debt really is already taking care of. And really what you need to do is the preplanning as opposed to you making sure you have some sort of death benefit to cover the financial side because I would imagine the assets that you have would cover that everything, not just get ready insurance you could do that or just preplan it where those decisions have been made, making it easier for your family members who are here taking care of things and you know the funds are there either because it's been prepaid or because those assets are rendered readily accessible to be able to cover the cost of the expenses and then you're not continuing to fund this life insurance policy. Moving forward I would at least give that some my prayerful consideration. Hopefully that helps you Dan. We appreciate your call today. I Charlene is in Florida shortly to how can help me yes ma'am grin and thinking about taking my call, and hold off on Delaware right now. I'm currently putting after my credit card and I'm 30 years old. I a lot of time wire what you give me a rundown of what is the balance in that 401(k) and will you hello and credit cards.

I'm not exactly sure what balance they I was thinking about taking out I like house and I don't and also the credit card that and you believe you owe around 10,000 in credit card. You think that's roughly what you tell me about how you got that was it really kind of one major couple of unexpected events. Was it just kinda consistent overspending over a long period of time and next thing you knew you'd racked up about $10,000 in credit card debt. Where did it come from volleyball. Now I'm trying to get job like that. But here's the downside to using the 401(k) money.

Number one, it's expensive money at your age are not only can have to add that to your taxable income, but you're going to take pay a 10% penalty on it. So let's say you take 30% right off the top that's that's not a great use of that money.

Number two is it takes the pressure off just kind of in one fell swoop. You don't do the hard work to get it paid off.

Kind of.

Over time, and we don't solve the underlying problem that led to the credit card debt in the first place and then you call me back six months or year from now you say Rob, guess what my 401(k) balance is 10,000 lower and the credit card debts back and I just seen that play out Shirley to too many times to know that that's a real possibility. So I think what I would prefer you to do is leave the 401(k) where it is, perhaps consider delaying new contributions to your 401(k) in terms of not putting new money in, and then pulling as much margin as you can, including perhaps the additional funds are no longer contributing to your 401(k) and let's really go after the credit card debt in terms of paying that down as quickly as you can and I'd be looking at the debt management program with our friends@christiancreditcounselors.org to do that they can help you get those high interest rates down and with one fixed monthly payment that fits in your budget, combined with the lower interest rates. It's can allow you to get that paid off. On average 80% faster and when you do it that way. Getting the budget in place. You're getting things really fixed in terms of living within your means and perhaps bring up more margin by no longer putting new money into the 401(k) until this is gone, I think that's going to lead to a better longer-term outcome of you solving the real problem.

This can hopefully result in you, never having any credit card debt ever again, and only using credit for budgeted items and paying it off in full.

That's just my recommendation.

I realize you may pay a little bit more in interest in that approach, although you're gonna miss out on the taxes and the penalty in the lost opportunity cost of the future value of this 401(k) balance that you would not have by pulling it out whereas you would potentially have that you know when it stays invested is all that makes sense. Okay, good. Well, hopefully that's helpful to you.

I'd think a long and hard before you pull that money out and I would encourage you in fact not to do it. We appreciate your call today. I listened back to Chicago. Debbie, thanks for listening and calling today. How can I help you, thank you for taking my call. A question on Social Security. I am turning 65 this year and I'm a recent widow and I have no debt and I tried regularly and give regularly and I have a stating 15,000 in my savings and I just wanted to know if you have the opportunity to retire.

Should you or should you wait for my full retirement age of 66 so you're talking about stopping working and if you did that, you'd need to go ahead and start claiming Social Security to bill to cover your expenses versus continuing to work for another year and 1/2 and then leaving and taking your full retirement benefit from the SSA is up which are asking real close allowed 19,000 to be made before retirement age so I will close with what I make.

Right now I see you and that would be a temporary reduction of one dollar for every two dollars you earn over that, but you get that back once you reach full retirement age over time. So that's not a permanent reduction if you were to continue to work and take it early. I think the real question here is just comes down to your spending plan.

I would look at that retirement budget and just say no it is that roughly 8% maybe 10% that I'm to give up in my check for the rest of my life can make a difference in my ability to meet the budget and would that be helpful to have that amount, which means I continue to work for another 18 months or so and know that I'm in a have that 10%, roughly higher check forever or am I good you know, based on living modestly, what I would be collecting beginning at 65 is going to cover it and I've got this 350,000 roughly. That's going to be growing.

You know and and that could throw off. I think reasonably if you had an advisor about 14,000 year of the 1/4%, so I think that's really what it comes down to it, it's really something you need to think and pray through.

If that extra cushion would really help you and give you more peace of mind that I'd say perhaps you should think about continuing to work otherwise. There's no reason for the Lord is called to do something else, go ahead and retire. You can dictate a work part time and you can take your Social Security right now she thinks that's good for us today moneywise live is a partnership between radio moneywise. Media was a thank you Hans cover your phones today. Amy Rios engineering Deb Solomon producing Mr. Jim Henley providing research today. Thank you for being here as well come back and join us tomorrow