and er one of the ways you can use is er national savings income bonds, er which are er okay, but they're, the trouble is they're at a variable rate, so at the moment they're paying seven percent, so that's on national savings income bonds, so that that person would get seven hundred a year at the moment gross, and of course er you don't need to t to fill in an r eighty five for that type of investment because it's not a bank or building society account.