 The more you listen, the more you'll know. It's Brian Kilmeade. 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. But the scary thing about that, Steve, isn't just the amount they think they need. Right.