Good, I can take physical delivery from my IRA silver eagles with 10% early withdrawal penalty and distribution -in-kind withdrawal taxed at ordinary income tax rate and have no taxes or penalty. I called today to do that, but it wasn't zero. I did find out the procedures though because the lower it goes, the less it costs me to take possession. After all, possession is 9 tenths of the law. I am a skeptic and they told me 2-3 week process to take physical delivery. Now that's scary, makes me think they don't have it in custody.