 A required minimum distribution is the government says, hey, you've enjoyed this tax deferral for a really long time. Now it's 73 for this gentleman. He was 70 and a half is when it was going to be because this was some time ago. And so when the government was going to make him take that out, his tax bracket was going to go from very, very low to one of the highest because he had very large assets in his retirement accounts.