 That cash bucket is representing your immediate income or any money that you're going to need within the next three years because the theory is we do not want to see it go down in value. When you need that money, it's got to be there. So this could be represented by some of the money that you have in your checking account, your savings account, buried into CDs or sitting in cash investments inside your 401K, your IRAs, your Roth, or whatever it might be.