 That's how the banks reacted. They were very slow to increase the rates, very quick to drop the rates, and that's the unfortunate part. But it is important to have short-term money. So money in the bank, money in savings, money in CDs, that is perfectly okay as long as it's not really distorted. I mean, over the years, we have met with some folks that just had enormous amounts of money in the bank, earning peanuts over the worst of times.