 You did hit the nail on the head, Rick. So, for example, the one case I was working on this week where, again, he had to take one-fifth of the RMD out of his account for mom. His inheritance, the inherited IRA, was around $100,000. So if he takes the $100,000 all at once, what's the problem there? He's got to pay tax on $100,000 versus the RMD is only going to be –