 You have some long-term bonds drop in value faster, but you have your short-term bonds come in due, so you can reinvest that money at today's higher interest rate. So the idea is it's a way to hedge your bets with interest rates in the bond market. So my answer would be, as of today, I don't know that laddering is important as it was when rates are going up, because right now I can't imagine rates going up much more, if any more. Again, I think we might have peaked.