 with a uh with your local bank with a brick and mortar yeah that's true as far yeah as far as your savings or rates are going and you know right now most of those things are still in the fives which is really really nice but you have to understand that when the fed starts doing the reductions you know they did 12 increases the fed did 12 increases to the interest rate a couple of years ago and that's what brought all of these uh these rates up to where they are today right well