 Personally, mine, they earn higher than a CD, and the way I've got it structured, it's going to grow tax-free, and I can access that at any moment. I don't have to wait for three months or a year, that sort of thing. And by the way, I want to remind you of the number, 800-700-8229, the number to reach out to Dave, Jonathan, and the team at Altmyer Financial. In fact, for the next 10 callers, Dave and Jonathan are going to give you access to the four steps to a worry-free retirement analysis.