Excellent. This is great to know. I have some other questions. You mentioned that I would still need to pay the income tax on it. Is that if I don't rollover to an IRA or that's even after rolling it over? And the federal income tax that I would pay is 10%? So this would be to waive the early withdrawal penalty fee which is an additional 10% otherwise it would be 20% total between the income tax fee and the early withdrawal penalty fee?
