<prompt> Human: Hi guys - with interest rates rising now in the USA, a lot of regional banks and mid-large size banks are offering very attractive rates for Certificate if Deposits and Money Market Accounts!I saw Ally Bank and Apple Bank offering 2.0 APY 6-month CDs.Goldman Sachs retail bank is offering yields of 1.70 on MM deposits.Very good way to make passive income if you guys have funds just sitting in your checkings or savings account!Assistant: This probably wouldnt even keep pace with inflation? Human: Do you propose leaving unused funds in your checkingsavings a better alternative?  <response>: No, I just think calling this investing is a stretch. 