Rick Ganley: I want to ask you first and foremost, and I think this is getting the most play in the media, the child tax benefit for families and this new benefit. What do we know about how many families are going to qualify for this benefit? And, you know, what's the possible impact here in New Hampshire? Phil Sletten: Yeah, so the national numbers I've heard is that it's the vast majority of families, a large percentage of households that have children. Of course, not every household has children, but for those that do, it's a relatively high income limit. It would encompass most households in New Hampshire and most around the country. And the really interesting thing about the child tax credit, because I should say there are two components. There is the economic impact payments, the $1,400 checks, which will include checks for qualifying dependents such as children. So there's that one time infusion.