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Dear Pixy: Thanks again. Yet I have more questions.

Q1: When I start the payouts, do they have to all be in cash? Could part of the payout be in securities with the value of the securities at withdrawl plus any cash equal to the payout?
Q2: If I want to help my son and daughter for graduate degrees ( i.e. books and tuition) through IRA withdrawl, do I need to count those help $$ as part of my SEPP or are they a separate permissible use?
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