 So when we look at that, we just blend it together. You need bank and credit union money, investments in the market, and some of these safety positions to give yourself a well-balanced program so that in its entirety, you are getting liquidated. You are getting some growth. You do have safety. And that is so important. Those are the three key elements that we work with. And this is so important. I talk about this in my book, and I'd like to offer the book to our listeners.