 No. You're going to roll it to an IRA. Zero penalties. You're going to take the lump sum and put it into an IRA. Get with the SmartVestor Pro. They'll help you do the paperwork properly. It's a direct transfer rollover. There's no penalties. There's no taxes. And it will grow from that point, tax deferred. You're going to use a traditional IRA. That way there's no taxes. If you roll it to a Roth, it's taxable, but don't do that. Okay, that was another question. You don't want to make it a Roth because it will be taxable then.