Mack dies at age 85 in 2025, after both his RBD and the effective date of the SECURE Act.  He had both a traditional IRA and a Roth IRA.  His son, Jack, age 60, in 2025, not chronically ill and not disabled, is the sole beneficiary and is named in the IRA forms that Mack signed. of both IRAs.  My understanding is that Jack is a designated beneficiary, but not an eligible designated beneficiary, and must use the 10-Year Rule for both the traditional IRA and the Roth IRA, and, that (1) Jack must take RMDs based on his age, starting in 2026, with a 2026 divisor of 26.2 (Table I, age 61), a 2027 divisor of 26.2 – 1 = 25.2 . . .  a 2034 divisor of 18.2, and take all the remaining assets of the inherited traditional IRA by the end of 2035 and (2) Jack will not have to take any RMDs from the inherited Roth IRA until the end of 2035, when he must completely distribute it to himself, because even though Mack was 85 when he died because there are no RMDs for the owner of a Roth IRA.  Is this correct?