 type of question that I had for my buddy that I explained in the first segment of this program. So you take the $12,000, and now we're going to divide that number by the expected rate of return that you think you can get if you invest the money. If you invested the money at, let's say you thought you were going to get 6% per year, you take 12,000, divide it by .06, and that number comes up to $200,000. So you take $200,000 and you put it in the middle bucket.