On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk.

Independent thinking, shared success.

Invest talk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States.

Here is KPP Financial Chief Executive Officer, Financial Advisor, Justin Klein.

Good afternoon, fellow investors, and welcome back to Invest Talk. This is our Tuesday, January 13th,

2026 edition of InvestTalk, and we're well into the second full trading day, trading week,

excuse me, of the new year. And there's a lot of headlines, a lot going on with markets, a lot of cross currents, and

a rotation that's happening in markets, which we'll dig into here in a little bit.

And we are about to embark on earnings season.

Actually, it kicked off today with some bank earnings.

So we'll dig into that a little bit.

And most importantly,

we will be answering your finance and investment questions. We will bring you data in

perspective so that you can understand market dynamics and how they might affect your portfolio.

So that's what this hour is designed to do is help you become a better investor. That's our mission every day on

InvestTalk. Now, we're just available to talk about today's market performance and run down the

topics we will discuss throughout this hour. But as usual, we'll tackle this first caller question

now. Hi, Luke and Justin. I was calling to get your take on stock that I've been looking at here for about a month

now called A Bright Horizon.

The ticker is BFAM.

The company provides early education and child care services.

And I was thinking that with more companies mandated, return to office on a greater scale,

...