 So a lot of times people use a life insurance policy for a volatility buffer because that often will keep pace with inflation. It can be access tax free and so on. But maybe you are not healthy enough to qualify for life insurance or you're a little late in the game. So then you can look at maybe some CDs, especially if the interest rates are very high. The CDs could be a good volatility buffer. You can still access them if you need to.