But there are other reasons: you could be a beneficiary of a trust or estate or a shareholder or partner in a pass through entity and just now getting your Schedule K-1.
The small size of the red dwarf stars, typically with spectral types K and M, gives a greater relative drop in brightness when low-mass planets pass in front of them, making it easier to search for planets around them.
Under the new law, employers can actually contribute a slightly lower match to each worker's 401(k) without having to pass complicated "nondiscrimination" tests, provided they automatically enroll workers--meaning employees have to opt out of, rather than opt into, a plan.