 Good morning everybody, I'm Tommy O'Brien, coming to you live from TFN headquarters in St. Petersburg, Florida. It's Monday, 10 a.m. Eastern Time, 30 minutes into the trading day. We've got markets starting off to the negative. Dow Jones off 149 points right now, trading at $26,772. You get the S&Ps, negative by 17, trading at $29,73. NASDAQ, negative by 78 points. Apple getting hit this morning with a downgrade. We'll jump over to them in a morning. NASDAQ trading at $8,083. NASDAQ off about 1%. Russell, 2,000, negative 7 points at $15,68. We'll start things off this morning. Let's take a look at the VIX Volatility Index. Get a little negative action in the market. You're seeing a little bit of elevated action in the Volatility Index, $1424. We actually reached a level above $1450 on Friday. Let's jump over to the charts. We'll start it off with the Dow. And there is your chart for the overnight action. So last night, we opened things up at about $26,898. And from there, pretty steady decline. We did get a bounce from about 2 a.m. up until about 4 a.m. But from there, the market trades lower. And we're getting a bit of a pop from a low of $26,744, up almost 40 Dow points, $26,781. NASDAQ 100 kind of sells off right on the open. We'll jump over to Apple. You'll see Apple sold off right on the open as well. They're definitely contributing to that NASDAQ 100 number. NASDAQ trading at $77,83. S&Ps trading at $29,77. Apple hitting that as well, I'm sure. Apple down about 2% right now. Crude oil, check that out. Quite a run. Even since 8.30 in the morning, you trade from $57,31. We're now up a solid 90 pennies from that level, $58,18. Gold contract, reached a high this morning of $1409. Currently trading at $1402. And there's your euro US dollar, trading at $1,1216. As I mentioned, we'll start off with Apple getting a downgrade by Rosenblatt to sell on fundamental deterioration. So they're talking about within the next six to 12 months that Apple is going to face slower growth on their iPhone sales as well as other areas. And to jump over to Apple's chart, quite a hit and right on the opening bell. So it traded lower, but man, quite a sell off. And the other news of the day you got out there, Deutsche Bank as they are going to be laid off about 18,000 people spending about $8 billion to restructure their company until 2022 in the market. A little worried about that news down more than 6% as Deutsche continues to struggle. Stay tuned, folks. Come back at 10 o'clock with our man Basil Chapman filling in for Tom's live programming all day. Have a great Monday.