 All those funds send you little pieces of paper throughout the year and say, by the way, you need to take some money out. And if you don't track them, if you're not paying attention, or if it's an annuity company and you think you can do this and it turns out that, all those numbers. If you forget to take money out, if you don't take out the right amount, and the IRS doesn't tell you how much to take out. What the IRS says is...