The loss of compound interest in a retirement fund from a withdrawal is massive over time. I withdrew money from my retirement fund in the mid-90s due to lack of employment and have been sorry ever since (I retired in 2014). With today's low (non-existent?) interest rates a loan would make better sense. I wish I had done that even though it would have been for larger amounts and at a higher rate. IMHO. But it does sound like a killer package, although I have no idea what it is. I understood 'PC'. Politically Correct tax, right?