 That is not a plan. That is just waiting for Uncle Sam to pillage your IRA accounts. So the widow's penalty is bad, but the kiddo's penalty is worse. And the kiddo's penalty happens when you essentially have to turn around and say, all right, both spouses pass. It goes to the kids and the kids are at their highest earning tax rate and it gets taxed at their tax rates and the IRS got rid of the stretch. So now they got to take it out over a shorter period of time, over 10 years. A lot of kids take it out right away. Yeah.