You actually read the chart? That’s a few minutes you’ll never get back. Anyway, this maniacal fantasy goes on to say it’s in an E*Trade “bank,” something that doesn’t really exist. It’d be a money management account with some bank-like features, it could have a debit card, and it’s most likely connected to the origin brokerage account for immediate EFT (transfers). The long and the short of this story is this person seems somewhat impressed with the mundane aspects of money management, from car insurance to savings accounts and likely is very new to managing money, windfalls or debt. I’d not do business with him or most people, the arrogance is thick as fog with about the same substance.