Hi, this is Joel and Victoria.

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But thanks for tuning in. Thank you again for coming out today. I'd like to start with something

funny and I heard about this husband. He was quietly reading the newspaper when his wife

walked up behind him and hit him on the head with a frying pan.

He said, what was that for?

She said, that was for the piece of paper I found in your pocket with the name Mary Lou on it.

He said, oh, honey, that's just one of the horses that I bet on at the racetrack last week.

She apologized and went about her business.

Three days later, she walked up and hit him with a bigger frying pan.

When he came to, he said, what in the world was that for?

She said, your horse just called.

All right.

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