 I would say, I was going to say, it's one to two years of living expenses. So the $3,800 a month, right? Yes. If you said, all right, a year's worth of those expenses, that's what I'll keep in my cash reserve, right? And I mean, for most people, that would be fine. If you're feeling more anxious than that, then it could be twice that. So instead of $45,000, you keep $90,000. But right now, you've got your $45,000, right? Right.