Ramona, can you tell us a little bit about your business and how you got started, notably your skincare line TruRenewal, your jewelry line Ramona Singer Jewelry for HSN, True Faith Jewelry, and Ramona Pinot Grigio? This is a place where many entrepreneurs come to get inspired and educated. I read that your father gave you a $70,000 loan when you were 29 years old to start your own business, and you paid it back, with interest, in one month.