 Uh, well, Linda, I'm not sure what you're talking about in terms of penalty, unless you think of taxes as being a penalty, which I guess a lot of people. So Linda, once you turn 59, your required minimum distribution is just the minimum you have to take out. You can certainly take out more than that. Um, and so that's required minimum distribution. Uh, there's, once you get to 59 and a half, there's no, uh, penalty for accessing your retirement savings, uh, your, your traditional retirement account. So I'm not sure other than, you know, it,