Hi. Yeah, you probably heard me say this before. Your money should always be making you money. That's why our viewer Cindy wrote in asking me, could you please explain how online banks can issue larger interest on my savings as opposed to brick and mortar banks also? Are these banks safe? I'm concerned because I can't actually walk into the bank and speak to anyone. How do you avoid fraud? Let's start with the first part of that question. Online banks have less infrastructure and overhead costs to maintain since they're online only, they don't have multiple branch locations they have to pay for so they can use those savings to pay you higher interest rates as for safety, as long as your online bank or whatever bank you're using online or brick and mortar is insured by the federal deposit insurance corporation. That's FDIC. You probably heard of it. You're protected just like *** traditional brick and mortar to know for sure if the online bank you're thinking of joining is FDIC insured. You can actually just go to fdic.gov. You wanna scroll down over here to resources and scroll down to data tools, then click, you're still with me, find suit under search type, click bank name, then you just type in the name of the bank you're researching and it'll tell you if it's covered, ultimately deciding between an online bank and *** brick and mortar is up to your personal preferences. If in person service is important to you, obviously, you wanna stay with *** brick and mortar. If you're fine doing things online, you're like I do it anyway, Online maybe go with an online bank and make some more money. There's also no reason you can't do *** combo of the two. Like having *** high yield savings account with an online bank. But using *** brick and mortar for your traditional checking transactions, do some comparison shopping. Find the best deal for you, Cindy. We hope that helps. If you at home. Have *** question for me. Email me any time we like to help. We'll reach right back out to you if we can at Rawson responds at hearst.com. We read everything back to you.