 depending on what you want to include, you're actually losing more than you would be when interest rates are lower. So don't get caught in thinking that short-term money markets and CDs, which are greater than they have been, but relatively speaking, when you consider inflation, they're actually not. So that's why you need a different strategy. And too many people are playing the money market CD game, which ultimately, I can show you on paper, is not going to get you where you need to be. And rates are going to come back down. I don't know if they'll come back down to where they were,