 at least taxed. I'm not sure if they close it. If you're penalized, I'm not positive off the top of my head. Doesn't matter. You're not going to do that. You're going to do a traditional IRA direct transfer rollover with your SmartVestor Pro in the four types of mutual funds. We talk about growth, growth and income, aggressive growth, and international. And by the way, this is great news.