Day. We will talk to steve about the weather, and the changes that are coming in a few moments. I have an interesting story that is surprising, but here it is, one in four americans have dipped into their Retirement Savings during the pandemic or are planning on doing that. A survey from the personal finance site bank rate says 27 percent of people have withdrawn from the ira. 18 percent of people are contributing less money to the retirement account, then they were before the pandemic. I will start with you, that couples nicely with the story of during the pandemic people ever realize that they dont necessarily have to spend a lot of money to have a good time. They dont go together in my opinion. A lot of people are realizing game night, a movie at home is a great way to spend time. You dont always have to go and see a live show, even though i love those kinds of nights. Tha and a drastic way because they too. The pandemic has had to the lower wage earners the hardest. People who work