Suppose on your 21st birthday, your eccentric grandmother invites you over to her house, takes you into her library, removes a black velvet painting of elvis presley from the wall, and opens a hidden safe where she removes 50 crisp $100 bills and hands them to you as a present, claiming you are her favorite grandchild. after your grandmother profusely (and her re-hang elvis) you proceed to your bank and deposit half of your gift in your checking account and half in your savings account.