deferred capital gain tax:
这道题题干提到，distribution are expetcted to be taxed at a 20 percent rate when withdrawn,
题干又提到， realized capital gain 是10%。
问题：当计算expected after-tax accumulation in 15years时， tax rate 为什么用10%， 不用20%？
就像第七题， 直接用的20%来计算的。
deferred capital gain 和TDA账户 的tax rate我有点混淆。
