 And while I have that money for that 10 years, I'm going to make millions with your money. And I have no problem paying you 4%. If you want to be able to get it back within one year, I can only afford to pay you 1%. But I'll still make lots of money with your money. Does that sound fair? Is that really the way you want to go? Would that be okay with you? I'll do it if you want to do it. I'll do it all day long. You know why? Those things are called CDs. They're called bonds. And there are trillions of dollars of them out there earning their owners 1%, doing nothing with their money.