 It's an awful situation. Sounds like a racket. Sounds like a government racket, those RMBs. It is. You're going to pay the tax, and so do it now while you can. It's like paying off debt. You have a debt. People don't think about an IRA as an IOU, but it is. It's an IOU to the IRS. Your IRA is an IOU. To the IRS. To the IRS. A lot of three letters there. Stop.