 The next option is obviously to sit back and say, all right, well, what about converting it to a Roth? I hear all of these things about converting it to Roth IRA. It could be a great option. Now, similar to the take it all out method, Randy, we don't want you to just convert the whole thing to a Roth because what you're doing when you convert a 401k or IRA to a Roth IRA is