 All right, Allison. Allison, you're obviously smarter than the average bear. You understand a bond laddering. But for those of you who have advisors, you trust your advisor, so you don't want to get into the nitty-gritty or maybe use mutual funds. Bond laddering is simply where you buy bonds of varying maturities. You might buy a five-year bond, a six-year bond, a seven, eight, nine, ten, eleven, twelve. And the idea...