text:  Yeah, I'd say what we've been doing this past year is kind of what I would call a barbell approach. So think of one end of the barbell being very conservative, the other being a little bit more aggressive. So on the conservative side, with interest rates where they are right now, like we were talking about, getting 5%, 6%, 7% from bonds and CDs, we've done more CDs for clients in this past 12 months than I've done in 25 years in the business just because people look at it and say, I'm fine with 5% or 5.5% and not have to ride the volatility in the market. So