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So states the law NOW. If politicians change the law, they can also change this aspect of the law.

Yes, which is the reason that being able to withdraw funds without penalties or taxes gives flexibility to respond.

I don't know how I can be more clear. The law TODAY says you can withdraw funds without penalties or taxes. Congress can in the future change the law to make this no longer true.

I agree with JoshRandall: I don't trust Congress.
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