text:  And if we miss you, if you're on vacation, it's not going to be rolled over until we speak. So certificates of deposit at that 5% rate or 5.3% is an excellent rate and more and more people are using them as part of their portfolio. Especially if you've got money sitting in a lower rate bank, a money market account or something like that. So that's what we want. So if you have an interest in certificates of deposit,