Sputnik, thanks for responding. I am in a very unique situation. I am trying to take advantage of a drawdown program that will allow me to retire early, so I won't have the full 20. I do qualify for the program but they are asking (maybe requiring) me to stay longer to fill certain gaps IOT get the program approved. So, I can still drop a letter and get out with nothing, but I would prefer to take advantage of the retirement program.