 All right, Allison. Allison, you're obviously smarter than the average bear. You understand a bond laddering. But for those of you who have advisors, you trust your advisor, so you don't want to get into the nitty gritty or maybe use mutual funds. Bond laddering is simply where you buy bonds of varying maturities. You might buy a five-year bond, a six-year bond, a seven, eight, nine, 10, 11, 12. And the idea is that if