 forcing you to take money out regardless if you need it or not they're forcing you to take it and so they can collect tax dollars and they want you to put it someplace else so they can collect more tax dollars as you generate more dividends and interest and whatever it's going to be so it's a double whammy it's a double insult they kind of misled you right because they didn't they told you got a tax break and they told you it'd be taxable later yeah they really didn't