 on top of the early withdrawal penalty for everything you've taken out. However, you may be able to avoid both this tax withholding and those possible penalties and fees if you do what we call a direct transfer from the money from your 401k. It's called a trustee-to-trustee transfer. Maybe it's to another 401k. It could be to an IRA, Tony. By doing it correctly, you aren't going to be dealt with or having to deal with these issues of taxes and penalties. So just...