 You're traditional at a certain age. You must start taking money out of that account. And how come? Uncle Sam wants his money. He didn't get his money. So he's going to take it from you. Taxes are confusing. Retirement planning is confusing at times, Mark. Don't you agree? It gets crazy. And I have people say, why am I on the computer and DIY it? And Google said X, Y, and Z.