 floods damages all sorts of things happen to us as we get older and you forget to take it out correctly or you thought your advisor was going to do it for you or because fidelity sent you that statement says here's your rmd to your to your mind's eye you said oh fidelity is taking care of this and you get money and you're not paying attention to that not only you're going to pay that 20 30 40 percent tax you're going to pay 25 penalties so all of a sudden we're 40 50 60 percent