 And this is a really short paper, this first one. It's five RMD facts every IRA owner needs to know. Now, this was written by an attorney, a tax attorney, and some great information in here. It comes right out of the Director of Retirement Education. And this is a really good paper. It's really simple. The five key factors that are discussed is if you have a traditional IRA, which would include a SEP or a simple IRA or a TSP or 401k, you have to take RMDs each time.