 The answer, of course, is zero because you withdrew the money. You took it out of the account. You're not going to earn any interest or dividends or any other growth for that matter on money that's not invested. I think everyone understands that. So we don't recommend that as an option. You'll see why in a minute. The second way to access funds from these, of course, is you can access or take the dividends. Taking dividends is much like taking an interest off a CD, for example. So you're taking the gains each year