steve krakauer, thanks very much. folks who do not care much about golf. ♪♪ how great is it that we get to tell everybody how liberty mutual customizes your car insurance so you only pay for what you need? i mean it... oh, sorry... [ laughter ] woops! [ laughter ] good evening! meow! nope. oh... what? i'm an emu! ah ha ha. no, buddy! buddy, it's a filter! only pay for what you need. ♪ liberty, liberty, liberty, liberty ♪ ♪♪ howie: the world seemed to stop when all the cable news network's went alive after tiger woods got into that awful accident, all of us staying staring at the mangled car that he had been driving. i'm a tiger fan and the guy is an amazing competitor. just to yours ago he meant to that incredible comeback at the masters and him a series of astounding mistakes. these include the personal misconduct that led to his divorce and a long professional spiral and smashing his car into a tree 11 years ago. it's impossible not to question whether woods was driving recklessly on a sunday morning with no other c