it's to keep you invested in building societies, only they, they're frantic because all the money's going out and they want to keep their erm their erm deposits up, so they're offering these schemes, and they are quite good, there are no charges as such, but er you'll get the value of the fund that they've made, or you'll get a say two or three percent bonus per annum on top of the er share rate, er if you keep it for four or five years.