 We're going to go to our email bag, and we're going to address a question from Dave in York. He said that for decades, he has laddered CDs so that he has one maturing every single year. But with interest rates being so low, he's wondering, you know, does he have too much money in the bank? And how much is too much? Well, Dave, you said for decades, and I know that decades ago, CDs had some pretty good rates. But in the last 10 years...