A 68-year old retiree has a pension savings of $43,000, a 401k of $75,000, and an IRA account of $62,000. Before 2008, he had 2% more cash in the pension, 12% more in the IRA, and −1% in the 401k. He wants to take out 2% from each account before he turns 72, which will cost him a penalty of an extra 3% from the current total amount in his pension, 4% from the 401k, and 6% from the IRA. What is the highest amount that will be taken from a single account, including the penalty, if the retiree takes the money out now from each?