 In this scenario, 20% may be withheld to cover income taxes. Then if you don't quickly pay, put the entire distribution back in, including the 20% in a different retirement account, you could be slapped with the income taxes on top of an early withdrawal penalty, which you've taken out. So we want to make sure we get, if we end up using some money, we get that money back in, right? And we get the whole amount in. It's got to be the whole amount that you took out.