And from my place, and from the time that I went through my divorce, I also had my father pass away in the middle of all that. And it kind of made everything else just kind of like the back burner, you know.
“Whether it's a penalty or a tax, it's all one in the same. It's coming out of somebody's hard-earned money in their pocketbooks and that's the point. So in some ways, to me, it's a distinction without a difference.”