A
It's vacations, Christmas.
B
Christmas, birthdays, uh, car maintenance, dental, medical, we just averaged out how much last year we used per month on medical and how much --
A
Uh-huh.
B
-- we used on dental and, uh, and so now when we have to come up with that deductible that our insurance doesn't cover --
A
Right.
B
-- rather than wondering where it's going to come from, we have it, you know.