 The first bucket, I used three buckets. And I learned this, by the way, from another radio show host who actually, I think, created the bucket system. It's just I changed the numbers in it because I work with a lot of clients, and I found that stock market volatility generally lasts about 18 months to maybe a little bit less than that. So I like a three-year buffer on the cash bucket, which is your first bucket on the far left.