 Now, that doesn't make a lot of sense because obviously our graduated tax rate, the higher the income is, the higher your tax rates are. So as you add income, which will be your 401k, all of it. So if you have $50,000 of income and you have a million dollar 401k or IRA that's rolled over and then you take it all out, you'll have $1,050,000 of income that year. You'll probably go from a 10% tax rate to a 38% tax rate, which is not a good thing.