 Then I'd be willing to pay you even more, maybe two, maybe three. Man, if you lock in for 10 years, I might even pay you 4%. And while I have that money for that 10 years, I'm going to make millions with your money and 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.