 pay the loan back. And I know like they set out to do that 10% because I'm not 59 and a half years old, but I have to pay that. Um, they'll put it as income and then I have to pay that penalty 10%. So I'm like, it's because it's not like a whole lot of debating or should I just go ahead and just pay it off one lump sum or not pay it off? And the other question is, should I let it stay with my former employer or should I move it?