Daylight Savings

Are my savings of daylight FDIC insured? Can I collect interest on them? Is there a daylight 401(k)? Or maybe 401(d)? Do I have to pay luminosity gains tax? Can I spend any of the savings in December, when I really need them? Or do I just get more light after I retire? Is that what the light at the end of the tunnel is, all that daylight you saved throughout your life?