 potentially 5% or more a year on those cash investments. Wow. Okay. So pay attention to variable rates, lock in savings rates, and number three on the list, put off large purchases. How come? Okay. So this isn't something, this isn't like a hard and fast rule, but if you're planning a major purchase, like a home or a car, then it could pay to wait since we're going to see lower interest rates ahead, which could reduce the cost of financing. But it's a little bit of a double-edged sword. Like