 the 10% penalty, whereas if you roll it to an IRA and you're under 59 1⁄2, of course, you're gonna have to pay penalties if you remove that money from the IRA. So it depends on your situation, and that's where we need to sit down and talk more, because I really need more information about your situation to know what would be the best thing for you to do. We received an email from Tess over in Belmont, and she said, I counted up the mutual funds in my IRA,