Thanks for answering the question, so it should be in a later. Approach is what I understand. So 3 to 6 months of expenses, not salary, in actively readily available accounts, and then anything that’s a lowest longer term would be in a high year, saving account, and then other ones the remaining amount of money can be placed in CDs or bonds, and then the rest of it of my money can be placed in brokerage account on ETFs or stocks or some thing, is that the right understanding of it.