do you know in 2008 When U 400 Banks went under 900 more were on the watch list on the brink of going under and that's when the federal government asked the five major banks in in America to disclose where they have their tier one assets for liquidity and safety guess where they had it Banks and Credit Unions had their money into in the multi-trillion dollar insurance companies and they were paying you who put money in their Bank 1% interest at best and they were turning around and making 5% or more in the insurance company how much more is five than one don't say four it's 500% more on every million they were paying 10,000 annual interest they were earning 50,000 of annual interest that's 500% more you can do the same thing.