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 thanking your grandmother profusely​ (and helping 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.