 Can you get it out? Is it liquid? Yes, but you have penalties and whatnot. And this is why I wanted to bring this to you this morning is you can put it in an online savings account and get pretty much close to the same return, right around 5%. And there's like a hold on a lot of these. They hold it like two days to get the money out. But that'll suffice for your emergency fund. American Express has one at four and a quarter.