I mistakenly assumed the reader was familiar with at least some of the classic studies on 
<I>Safe Withdrawal Rates</I>, like <A HREF="http://www.aaii.com/promo/mstar/feature.shtml">Trinity</A>,  
<A HREF="http://www.efficientfrontier.com/ef/998/hell.htm">Bernstein</A>,  
<A HREF="http://jjarrett.home.texas.net/resOptWD/index.htm">Jarrett</A>,  
<A HREF="http://www.scottburns.com/951008SU.htm">Burns</A>,  <I>etc. etc.</I><P> 
None are concerned with individual  tax rates.<P>
I was mistaken. <BR>
I apologize. <BR>
I won't bother anyone here again.