 Alan, also, why is it so important to have liquidity, have the ability to get our hands on our cash with some of our retirement savings? Ralph, having an allocation to liquid assets is always important. We encourage clients to have, when they get ready to retire, to have at least one year of spending in a liquid account. We also encourage them to have their emergency funds and then also any planned expenses. You know, if you know you're going to be buying a car in the next year or so,