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So remember one of the drawbacks to using a bank account if we go back to that whiteboard over here this term lost opportunity cost so when the money is not in the account the $4,000,000 we pull out what happens here is that its no longer earning 2% an easy way to demonstrate that look at this if we dont touch it its worth $5,800,000 getting close to $5,900,000 over here we used our money then we eventually put it back and its worth $5,300,000 so over $500,000 in difference there and thats a result of this being outstanding and not earning the 2% interest rate. Now the whole point of this is I can put it in real estate and earn a lot more than 2% so I would have probably paid more than $4,000,000 back into the account but the purpose of me highlighting this point is to state that why we have less here is because were not earning the 2% on the money outside of the account which leads to the point of attraction with the whole life insurance policy where I continue to receive that