The 10% they withheld covers the 10% penalty, but then you still get taxed on that income in the tax bracket that all your income falls into....so generally, what they withhold on an early distribution doesn't cover all the tax liability.
That withholding should be shown on the tax return and gets applied against the tax liability...you don't pay it twice.
♪♫•*¨*•.¸¸♥Lisa♥ ¸¸.•*¨*•♫♪
