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Yes, I say where you used the 20% capital gains rate . . .which was only on the distribution side of the taxable table. You used 28% as a taxable rate for a net deposit of $7,200. Whether you use the 28% Marginal Tax Rate or the Capital Gains Rate, it would be inaccurate when you should be using an Average Tax Rate to come up with net deposits and withdrawals in your table for you're particular analysis. . . . wouldn't it?

The same is true on you're tax deferred distribution table. When one takes income, one is going to have deductions and/or exemptions resulting in less being taxed at the Marginal Rate resulting in an Average Tax Rate (thanks to having the various tax brackets). What do you think?

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