 Now, if you're already taking money out to supplement your retirement budget, it's usually not a big deal. But if you're fortunate where you don't need that money and it's in there growing on a tax-deferred basis, it's a real pain in the neck because you've got to pay tax on money that you didn't even need. So that might be part of the solution if you fit this very selective category. There's something, three letters, QCD.