 Ralph, I've done that math a hundred times, and I have never seen a situation where it made sense to pull money out of a 401k or an IRA and pay the tax to cover the cost of a mortgage. Now, there may be situations where it is, but I've never seen it. We encourage people, if you can pay that mortgage off from a non-qualified account, maybe from a savings account or from something you don't have to pay big taxes on, then yeah, it might make sense.