This is in no way Blazers related, just about the absurdities of bureaucracy. I retired about a year ago. For reasons I won't bore you with, most of my savings are about equally divided between two accounts, with a third smaller account, all held by Charles Schwab. It made sense to tap the smallest account first. My financial adviser recently informed me that account was now empty and we would start moving to the larger accounts. But when I got my Schwab statement it showed $.12 still remaining. Some years ago I wanted to close a checking account, so I cashed it out. Later I got a bank statement with a bunch of fees. I had gone below the free checking amount, then they charged a service fee, there was no money so I got hit with overdraft fees. I went to the bank and told them I had closed the account. I found out simply withdrawing the money doesn't close an account, I needed to actually ask bank to do so. They were nice enough to waive the fees. So I told my financial adviser that, silly as it sounds, we needed to formally close the account and withdraw the 12 cents. Otherwise when they charged their annual fee I would have insufficient funds. The office contacted Schwab and discovered between the bank statement and that day the account had gained 3 cents and was now worth $.15. Federal income tax is pre-deducted before distribution, so they filed with IRS. I got ten cents and the feds got five cents. So .... think of how much time was spent by financial adviser, Charles Schwab, the IRS, and me so that I could get a dime transferred to my checking account and the federal government get a nickel. And yet it had to be done to avoid overdraft fees.