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Daniela Ortiz, 34, is a pediatric nurse who lives in a coastal city, coaches her daughter's youth soccer team on weekends, and recently finished her first half-marathon. She tells her registered representative that she has $40,000 in a savings account and plans to use all of it for a down payment on a house in about 18 months. She says she cannot afford to lose any of the money, although she adds that her brother made a large profit trading technology stocks last year and she sometimes wonders whether she is being too cautious. She also contributes to her employer's 401(k) plan, which is handled separately.

Under Regulation Best Interest, which recommendation is most appropriate for the $40,000?