People think it's similar to a CD, but it's not. The message for investors is to make sure they just don't believe the ads.

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It just makes sense that the IRS wouldn't pick on people who are really trying to pay their taxes, ... There are plenty of other people they need to go after.

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Don't assume the investment is tax-free. It's a relatively new product.

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The general rule is to use up your outside assets first and let assets continue to grow in this wonderful, tax-deferred environment for a long, long time.

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Those points are amortized over the entire term of the note.

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