 But I'd love for you to have more than that $3,000 in savings because that's only going to give you a month and a half worth of expenses. And if you had some major expense that comes out of left field and you put it in your IRA, you'd have to pay taxes on it when it comes out. And or if you put it on the mortgage, you no longer have access to it. So, you know, given that it's $400 and if you were saying, Rob, you know, I've already got...