 Now with the stories you need to know, it's Brian's Big Three. Number three. I mean, that's a lot of money, $186,000, and that's because people have done the math. They've looked at the mortgage, the car payment, the groceries, and they've said, if I want breathing room, that's, by the way, not living luxuriously. That's just feeling like month to month, I'm not under stress. They think they need that much money.