4,000. so, again -- the biggest question here again, liquidity. do you want to use all your emergency fund in order to pay down all your student loans and mitigate the risk that you might lose your job, get sick or something of that nature? i wouldn't want to be -- liquidity deficient in this market, credit crunch. >> and it is student loans, good debt. >> exactly. >> thank you for the maternal saying, and your advice here. if you have a question, send us an e-mail, cnnhelpdesk@cnn.com. impressive resume. thank you. you know what, tell me, what makes peter, peter ? well, i'm an avid catamaran sailor. i can my own homemade jam, apricot. and i really love my bank's raise your rate cd. i'm sorry, did you say you'd love a pay raise asap ? uh, actually, i said i love my bank's raise your rate cd.