Required Minimum Distribution (RMD) The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from some types of retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning.
There are two types of seals: the earless, or true, seals (family Phocidae); and the eared seals (family Otariidae), which comprise the sea lions and fur seals. In addition to the presence of external ears, eared seals have longer flippers than do earless seals.
NP-1 and NP-2 are the industries most popular high-performance exterior grade sealants. These are moisture-curing polyurethanes. NP1 and NP1 are designed for sealing / caulking all types of active exterior construction joints. NP-1 requires no mixing and bonds to most construction materials without a primer, including concrete, masonry, wood and most metals. NP-2 is a color tintable 3-part sealant which accommodates up to 2 joints with +/- 50% joint movement.