 And so you've got another problem if you go the RMD route is your heirs are going to get this tax problem. Shoot. Because the inherited IRAs and under the new stinking Biden rules, they're going to make them take that money in like five years. It's either five or 10 years. They got to pull it all. You can't leave it. It's worse than RMDs. Inherited IRAs have required distributions on them now.