 And so if you put a CD in the bank and then you go borrow against the CD and take out a loan, there's no taxes on that. Of course there's no taxes on borrowed money. So that's the biggest scam in the freaking universe. There's no taxes. Of course there's no taxes because it sucks. They don't usually charge you on something that sucks this bad. Please, please, sir, please, please cancel this stuff. Please cancel it. I hope I haven't been unclear. All right, Matt is in Baton Rouge. Hey, Matt, how are you?