Hello, this message is for Dick Lyons. My name is Janelle Archer from Lincoln Bank, and you had called us asking about interest rates for our CDs and money market accounts. Our current top CD rate is 5 percent for 48 months, with a minimum investment of $5,000. We also offer a CD of 4 percent for 36 months, with a minimum of $2,000. To purchase either of these CDs, you must first have a Lincoln Bank checking account. Our money market account is currently paying an interest rate of 3.50 percent. You don't need a previous checking account to open a money market account, but you do have to make an initial deposit of at least $1,000. I hope this answers your questions, Mr. Lyons. If there's anything else I can help you with, please give me a call. My name's Janelle Archer, and my number is 555-2002. Have a great day.