 A lot of people are sitting in cash. I find so many people that we talk to who are sitting in CDs and money markets making 4% or 5% thinking that they're doing great. And I would argue you're not. I mean, when interest rates, when CDs are paying 1% and inflation was 2%, you were conservatively losing 1% a year. If you think about it now where inflation is, and there's a lot of different numbers that you can use, but if you count everything and see what inflation is at, if you're making 4% or 5% and inflation is closer to 5% or 6% or 7%,