Well, I was thinking that if you're going to take the bozzle, you're also going to take your contributions. I think that you pay the 10% penalty on the contribution as well, right? So I was thinking of this as 50% - 10% penalty on entire balance which is a 35% return (1.5 *
0.9). But given a question posted earlier about this, perhaps the entire balance is not subject to the 10% penalty?-Will