Probably explains why they are deficient in vitamin D.
It may also explain why they have strong right arm muscles......holding those heavy books up, to protect their face from the sun, whilst driving their motocys with their left
I do similar.
I transfer 65k at the start of the month having built it up in WISE when I like the rate.
In between time, and with capital amounts, I am earning 4%-5% - I am happy with that