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Mark --

Thanks; great explanation as summarized by:

As you can see, "Annuity" (unqualified annuity, tax sheltered annuity) can refer to the box or (401(k), 403(b), IRA, Roth IRA) to the contents of the box.

As I noted in an earlier response, there was confusion in my mind between the "box" and the "contents". Your explanation has helped alot.

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