Do Funds in the Vault count toward family funds when calculating interest for the Shrewd trait?

Just on the available family funds.
So the "best" use for vaults would be to add just enough money to them each cycle of interest so that you'll have room for next week's interest payment.

Although, as an extra stinger, the money you put in the vault adds to the vault's object value, causing it to increase your bills.


At least... if the vault is on your home lot.
I wonder if you could buy a business, but instead of actually selling things, you could just use it as a place you put your Vaults to store your excess money.