 you know, your emergency savings. You're doing 15% every single month, no matter what, if things are going up, if things are going down over time, that average is out. And we can look, you can look back on a 20-year track record, 30-year track record of the S&P 500, and you'll see there are times in economic, you know, dishevel or whatever where it goes down, or if there's a war or something crazy happens, the Great Recession,