Welcome to the Dividing Cafe weekly market commentary focused on dividends in your portfolio and dividends in your understanding of economic life.

Scott, thank you for joining us and I'll let you kind of take over here. I know we have a few things that we're going to go through.

I believe we're off our normal schedule because we missed a week or something around the

Bonson Group's office move. So we're kind of back into our rhythm now. And plenty has been going on.

There's plenty of talk about. And I'll let you sort of drive the conversation topics. I know

some questions have come in, and we encourage anyone has more to email those questions at

the Monston Group.com. Feel free to send them in real time, and we'll try to attention them here on the call.

But we'll keep this one nice and short today, and hopefully you'll get a lot out of this.

Scott, off to you, my friend. Well, David, thank you so much. Great to be with you as always.

And, you know, we are on track, David, as you know, for a positive quarter, first quarter for stocks.

So we've got a couple more days left in the first quarter, which is obviously quite a different landscape than one year ago this week, where we saw the

March bottom in stocks as the market was pricing in all the COVID-19 driven economic trauma.

And I'm just curious, sort of your takeaways. We've done a lot of reflecting over the past year as to what has happened

and what will happen. But I'm just curious if you have any other thoughts you wanted to share

on this week of the anniversary of the COVID-driven stock market craft.

Yeah, you know, Scott, I thought about that as I was thinking about our call today,

that if we wanted to, we could have turned this call into a whole

kind of one year recap conversation. And yet I'm giving a talk tomorrow night that is just that.

And in fact, everyone will be invited to to participate. There'll be a live link that can listen

to the talk. And obviously, we'll have a replay and stuff like that.

And so I'm going to try to avoid the temptation, you know, to turn this into a whole kind of one-year recap.

Because there are a few key takeaways that I think are evergreen, that are permanent principles for investors that are really important out of the

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