 high credit card aprs high mortgage rates and all of that is a consequence of the higher rate environment that we're in but it also pays to save so if you have um even an apple account where apple last year started offering savings for some of their customers is sort of you know sending the money back to your account or whatever you can park it in this account yeah amex capital one it's not even just banks pure banks per se you can find a way to sort of make this all work so that's what i was going to ask you about sort of other savings options