When Bill Gates was starting Microsoft and when he first started to have a bunch of staff in an office, he was so stressed out of his mind. Warren Buffett told him like, Bill, you need to keep 12 months of cash expenses in your bank account at all times. That will alleviate this anxiety. You need cash reserves. So then I got this incredibly conservative approach that I wanted to have enough money in the bank to pay a year's worth of payroll even if we didn't get any payments coming in. We have about 10 billion now which is pretty much enough for the next year. And as soon as he did that, he no longer worried. He no longer had this massive fear