You will call me crazy, but I took a small chunk of savings and dipped it into a five-year CD paying 4.01%, which is that number I long felt would be the tipping point I'd need to go into them again. Also, the way I figure it, with with deflationary forces looming on the horizon, it's not a super risky move, and if by some chance CD rates shoot up to 6% or 8% or 10% or something like that, I can put another chunk of savings into that. I mean, where else am I gonna keep it? The bank paying 2-and-change?