 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, like a million, $2 million. We had people come in, $2 million, they're getting 0.3 at a bank.