text:  So we're going to call that our – and I'm doing air quotes for you on the radio just so you can see the air quotes – the safe money. We're going to make that our safe money. And it's going to produce 3%, 4%, maybe 5% in a good year for you. And about 50% of it is going to be tax-free each and every year, right? So that gave them some of the income they needed. It was coming out in a very tax-efficient manner.