Good morning, it's Thursday, January 21st. I’m Lynn Norris and here are the Five Things You Must Know Before the Market Opens, presented by The Street: This podcast is brought to you by Athene. As the world changes, so does perspective… Is the sun setting on a bull market or is dawn breaking on opportunity? As a leading provider of fixed annuities, Athene was built for times like these. Working together, the future couldn’t be brighter. Athene. Driven to do more.