{"id":1491,"date":"2025-03-23T12:46:11","date_gmt":"2025-03-23T12:46:11","guid":{"rendered":"https:\/\/memberscta.com\/?page_id=1491"},"modified":"2025-09-26T14:06:42","modified_gmt":"2025-09-26T13:06:42","slug":"qcd-explained","status":"publish","type":"page","link":"https:\/\/memberscta.com\/index.php\/qcd-explained\/","title":{"rendered":"What is QCD?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1491\" class=\"elementor elementor-1491\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-UbYdLdo e-flex e-con-boxed e-con e-parent\" data-id=\"UbYdLdo\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-Xdu0tv8 e-con-full e-flex e-con e-child\" data-id=\"Xdu0tv8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8k5mYzM elementor-widget elementor-widget-heading\" data-id=\"8k5mYzM\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><br>What is QCD?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0Jz3WgP elementor-widget elementor-widget-text-editor\" data-id=\"0Jz3WgP\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.38; margin: 32.4pt 175.2pt 0pt 165.36pt;\"><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">With <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1a1a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">recent <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">changes <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #212100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">in <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">IRS <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">tax <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #202000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">code<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #f6f600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">many <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #202000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #212100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">us <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">can <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">no <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">longer <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">itemize <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">our <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3c3c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">expenses <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1b1b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">&amp; <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #202000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">are <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">forced <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">take <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3d3d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #383800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">standard <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">deduction <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">which <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">limits <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">all <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #494900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">taxes <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">paid <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #161600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">$<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">10,000<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #080800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">which <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">is <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">about <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">half <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1f1f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1f1f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">what <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">most <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1b1b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #0c0c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">us <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">pay<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3c3c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Yearly <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">mandatory <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">withdrawals <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #353500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">from <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3c3c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">tax<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #fefe00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">&#8211;<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #383800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">deferred <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #323200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">retirement <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">accounts<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #090900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">called <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Required <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Minimum <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Distribution <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1a1a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">(<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #414100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">)<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #4d4d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">start <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3b3b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">in <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">that <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #383800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">reach <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">age <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #575700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">73. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">The <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">amount <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1a1a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">current <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">is <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">based <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">upon <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">value <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3f3f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">IRAS <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">as <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #181800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #282800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">December <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">31st <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">prior <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #4d4d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Then <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">appropriate <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Uniform <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Lifetime <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Table <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">will <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">give <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1d1d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">divisor <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #202000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">needed <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #111100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">determine <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #353500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #353500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">current <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3d3d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">requirement<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #5a5a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMDs <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1d1d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">must <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">be <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">taken <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #212100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">by <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Dec <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #212100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">31 <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">each <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Check <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">with <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">financial <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">advisor <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">regarding <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3d3d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">inherited retirement <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #484800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">accounts <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">withdrawals<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #fefe00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">.\u00a0<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.38; margin: 32.4pt 175.2pt 0pt 165.36pt;\"><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #414100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">If <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">want <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">lower <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your taxable <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">income<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #d1d100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">consider <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">donating <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Required Minimum <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Distribution <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #4a4a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">(<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #303000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">) <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">charity<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #484800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">A <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Qualified <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Charitable <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Distribution <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3f3f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">(<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">QCD<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">) <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3b3b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">is <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #484800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">a <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">direct <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">transfer <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">money <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #202000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">from <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">IRA <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">an <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">eligible <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">501<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">(<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">c<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">)<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">(<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">3) <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">charitable <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">organization <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #232300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">and <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">will <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">satisfy <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #303000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">IRS <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #303000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">requirement <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #4b4b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">document <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">tax <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">deductable <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">donations<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #979700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3f3f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">The <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #525200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">great <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #353500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">thing <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">about <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">a <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #282800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">QCD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">is <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">that <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">it <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">reduces <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">reported <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">1099<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #fdfd00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">&#8211;<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">R <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">income dollar <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #161600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">for <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">dollar<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #fefe00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #282800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">If <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">don&#8217;t <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #282800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">take <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #454500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMDs <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #4a4a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">from <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">account<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3f3f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3d3d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">will <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3c3c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">be <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">subject <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #282800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">a <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">penalty <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1c1c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">equal <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1b1b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">25<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">% <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #474700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">amount <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2b2b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">that <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3c3c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">should <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">have <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">been <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">withdrawn<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #fdfd00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">As <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #383800; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #1b1b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">check <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">out the <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">IRS <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3d3d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Uniform <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Lifetime <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #404000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Tables <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1d1d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #525200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">help <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">determine <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #1e1e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #4d4d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">you&#8217;ll <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #191900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">soon <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">realize <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #393900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">that <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">your <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">gets <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3f3f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">bigger <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #444400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">with <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #404000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">each <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #343400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">passing <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">year<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #505000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">. <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #262600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">So <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">let&#8217;s <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #373700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">donate <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #212100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">our <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">causes<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #6b6b00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2d2d00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">like <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #313100; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">SCTA<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #fdfd00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">, <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #242400; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">instead <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #303000; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2f2f00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Uncle <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #333300; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">Sam<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #fdfd00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">.\u00a0<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.38; margin: 32.4pt 175.2pt 0pt 165.36pt;\"><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #222200; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">YouTube <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #292900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">has <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #252500; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">lots <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #3a3a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">of <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #272700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">help <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2e2e00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">to <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">sort <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2c2c00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">out <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #2a2a00; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">individual <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: Arial, sans-serif; color: #363600; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">RMD <\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-family: 'Times New Roman', serif; color: #191900; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">issues<\/span><span style=\"font-size: 12pt; letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline;\"><span style=\"color: #303000; font-family: Arial, sans-serif;\"><span style=\"white-space-collapse: preserve;\">: <\/span><\/span><\/span><span style=\"color: #303000; font-family: Arial, sans-serif;\"><span style=\"white-space-collapse: preserve;\"><br \/><\/span><\/span><a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); word-spacing: var( --e-global-typography-text-word-spacing ); text-align: var(--text-align);\" title=\"More info on QCD\" href=\"https:\/\/www.youtube.com\/results?search_query=rmds\" target=\"_blank\" rel=\"noopener\">https:\/\/www.youtube.com\/results?search_query=rmds<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is QCD? With recent changes in the IRS tax code, many of us can no longer itemize our expenses &amp; are forced to take the standard deduction which limits all taxes paid to $10,000, which is about half of what most of us pay. Yearly mandatory withdrawals from tax-deferred retirement accounts, called Required Minimum [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/pages\/1491"}],"collection":[{"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/comments?post=1491"}],"version-history":[{"count":21,"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/pages\/1491\/revisions"}],"predecessor-version":[{"id":1515,"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/pages\/1491\/revisions\/1515"}],"wp:attachment":[{"href":"https:\/\/memberscta.com\/index.php\/wp-json\/wp\/v2\/media?parent=1491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}