 you'll see the short-term end drop first and the long-term end drop later. So that means that most likely you'll get a nice little bump on the short-term and maybe you won't see it on the long-term right away. So it gives you a chance to sell some of these short-term bonds, even at a gain. Don't wait for them to mature and roll them out a little bit longer. But once rates drop more than a little bit, you probably want to be more long-term to take advantage of that.