 I'm sweltering and I'm dying of heat. I need a new AC." And you're like, oh shoot, all my money's tied up, right? So obviously moderation in all things, a balance. We want to make sure that you have liquidity so that life's events, if they occur, that you're going to be just fine. So again, it doesn't mean that you can't get a decent rate of return on liquid money, but you got to be very intentional and mindful about where you're putting stuff.