1. A client emails you at 2:00 pm EST on Christmas Eve (which falls on a Thursday) with a request to raise $20,000 cash from their Schwab Rollover IRA account to meet their annual RMD (Required Minimum Distribution) for the year. The clients IRA has several iShares ETFs and a T. Rowe Price short-duration bond mutual fund. You decide to sell some of the shares of the bond fund to fulfill the request. The client wants to know approximately when they can expect to see the cash hit their linked bank account. What would be your response to this client?