 Alan, do we often think about now and we don't think about later? Talk to me more about why it's so important with these buckets, the now and the later bucket. We've got to think about the short-term and the long-term saving strategies, don't we? We do, Ralph, and it's kind of like driving a car. You know, when I first started driving many years ago, I was really focused on the end of my hood. You know, I was afraid I was going to hit something. And my dad taught me that, you know, son, you've got to look at the short-term. You've got to look at the end of the hood first.