 Okay. We're speaking with Jessica Dickler, personal finance reporter at CNBC. The piece is called Three Money Moves to Make Ahead of the Federal Reserve's First Rate Cut in Years. Number two on the list, lock-in savings rates. Explain that. Yes, exactly right. So while borrowing will become less expensive, lower interest rates are going to hurt savers. Savers have really benefited from super competitive high-yielding savings accounts and CVs, which now pay over 5%.