Yeah, I’m not suggesting they just ran down to the bank with a huge bag of cash and put it in a personal savings account. Just pointing out that the potential range of interest rates that they are getting is not necessarily 5-7%, but maybe more like 0.5 - 1%, based on what @dan told us last year
That was after the first year. I don’t math great, but my calculator suggests that $22 is 0.82% the pre-purchase price of basic+filter+shipping (to Ca), or 0.52% of the pre-purchase price of pro+filter+shipping (to Ca).