 And today we spent some time talking about markets that we always talk about, but it's particularly important given the February we had. And we'll talk about some specific stock as a result of some of the actions regarding the Florida school shooting that killed 17 people. And what some companies that are publicly traded, how their stock is being impacted. And to do that, we're joined by Melissa Armo of the Stock Swoosh. Melissa, thank you for being here. It's a pleasure to be with you live. So it's quite a February, wasn't it? Yeah, it was a little unexpected because we started out 2018 so strong. We carried through all 2017 after the election. We were bullish. We were power-turning up. 2018, we made record highs day after day. It seemed like in February we dropped off. Although, I will tell you, the market is still in a strong, strong uptrend despite the drop-off from February. I don't think there's any reason to really panic. Well, you know, we saw last week with the steel import quotas where the markets took a big tumble on Thursday. And we've seen some other volatile stuff in the markets happening. But any piece of economic information that comes out, any data points, and I know you're particularly concerned about sort of the debt numbers that have been out there lately, they can have an impact on markets, but you're also concerned about debt in general having a longer-term impact on the economy. Well, I think so. And that's one of the reasons why the market fell, because the Fed guy was talking, the Fed chairman, every time he talks or any time any number comes out, it could possibly spook the market. It may be something that happens temporary or it may have a longer-term effect on the market for a couple weeks out. We don't know. We'll have to see. Real quick to interrupt you. It's almost like when we were on a high, like a money high from the markets, that everybody was really jittery. When is the volatility going to impact markets? And it really didn't take much. It was those January job numbers and maybe the increase in the wage growth. And I'm not sure that that was it or not, but it happened to be the day after the job reporting Friday. But continue on about debt and your concern about the economy. Well, the thing is that people, and one of the reasons I think the market fell off in February, is because people are concerned that they're going to raise interest rates this year, which they've talked about doing. They're going to raise interest rates this year. So are they going to raise them? You're so funny. Are they going to raise them? Three times, four times, nobody knows. But we do know that they're going to raise them. So my best advice to people is, if you're applying for a mortgage and you can lock in your interest rate, lock it down. If you have a home equity line of credit that's not have a secured rate, if it's a variable rate, try to see if you can do a home equity loan to lock it down, lock in your interest rate. But the problem, I think, for people is going to be the credit cards, because most all credit cards are affected because when interest rates rise, a quarter of a point up, and then all of a sudden if it's four rises, then it could be one point up, and a lot of people have credit card debt. In fact, last year there was a report, the credit card debt is at an all-time high. It's close to one trillion, which is an astronomical number. So with people carrying debt like that, and it's a variable rate, their payments are going to go up. And even though we have the tax savings, and that's terrific, and even though more people are employed, and that's terrific too, if people see their monthly payments going up, up, up, that may concern people. And obviously you don't want people to default on their unsecured debt. We reported, I think, last Thursday about the largest, I don't want to say the wrong thing, but I think it was the largest default rates on mortgages for homeowners. It may be seven years. And so you're absolutely right, and it's good advice for our viewers. If there's a way to lock in your rates, whether or not it's a REFI or the variable rate, as you say, it's a really good thing for people to consider, given their own personal financial situations and everything. You always want to provide these caveats. But Melissa, let's talk a little bit about some of these companies and the stocks related to them. Dick's Sporting Goods in Walmart, which are not going to sell certain firearms or certainly not going to sell to anybody under the age of 21. There's some of the airlines, United Delta. Delta's in a world of conflict because they've got some Republican folks who are running for office down in Georgia wanting to say they're not going to provide favorable tax treatment to Delta in the Georgia legislature. There's United, I said United, but there's also the car companies, the rental car companies. How are these stocks being impacted? It's probably too early to say, but what's your thoughts? Well, I mean, overall, I would say the airlines, the general sector, the airline sector is pretty strong. I don't really see the much of a reaction after the stuff that happened with the Delta news, but I will tell you, I find it interesting that they wouldn't even take the position as far as the Atlanta, because with the airline, because I don't know why the NRA was getting discounts anyways. Really, that was very preferential for them to get those discounts. In fairness to some of these companies, what they said was we want to be neutral, but it looked like they were being sort of prejudiced against the NRA when actually what they said was, no, we just don't want to have a dog in this fight. Now, some of them, like Dix and Walmart, they really felt sort of, I think, a moral responsibility from their perspective. Which I think is good, because if you look at their target audience, I think that was the right thing to do. But honestly, the stocks didn't rally when they came out with the news, which you think, well, that's positive news, the stocks dropped. So, I mean, honestly, everybody's on a different side. Walmart dropped too. Actually, they didn't have that good of earnings recently, so they just reported, and they dropped ever since those earnings like a brick. So, I mean, the stock overall is still very, very strong, but Walmart hasn't had a good month. You talk about the market, Walmart has really had a terrible month. And even when they came out with that news, they didn't have a good reaction. So I think it's very political for these companies to be getting involved. Remember, everyone is their customer. So when you take a sign, you're going to alienate either half your customer base, 40% of your customer base, depending on where you located, 60% of your customer base, like in Atlanta. So, these companies are taking a risk by being political and making decisions. They're out there to sell their product, to provide a service, and they're out there to make money. And when they make political stances like this, it takes a risk for their profit margin. And I'm not so sure that's a great idea for anything to do, but some of them are doing it. Well, there are many of us who are very appreciative of you taking positions and sharing them with our viewers. It's great to have you. Good to be with you in person. Melissa Olomo of the Stock Swoosh. Thank you. Thanks.