so, howell.going? we had a vacation early in our marriage that kinda put us in a hole. go someplace exotic? yeah, bermuda. a hospital in bermuda. a hospital in bermuda. what? what happened? i got a little over-confident on a moped. even with insurance, we had to dip into our 401(k) so it set us back a little bit. sometimes you don t have a choice. but it doesn t mean you can t get back on track. great. yeah, great. i d like to go back to bermuda. i hear it s nice. yeah, i d like to see it. no judgment. just guidance. td ameritrade. i want to take a look at the stock markets right now. the dow is up a third of a percent, 85 points. it s been up almost all day except for a smidge earlier in the day. dow trading at 25,205. crude oil settled at $68.76