text:  It's very easy. Step one, I would suggest, buy my 24-hour hotline right now, 877-CALL-GILL, 877-C-A-L-L-G-I-L. Say you're interested in certificates of deposit, what the rates are, and we'll call you or send you a note and get right back to you. So leave your name, leave your address, leave your telephone number, say you're interested in CDs, and we'll get right back to you. Okay, 922-6680, let's talk about IRAs.