 Yeah, you're exactly right. That's a very good point. So I personally, I'm comfortable knowledge-wise with the history of the stock market. So I'm plunking all of it, if it's me, into an S&P 500 if you've got a four or five-year window. If you're a little less comfortable, do some there and some otherwise. If you're completely that freaks you out, just put it in a high yield. But you've got the downside of it's too accessible.