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On the Galápagos Islands,the tool-using woodpecker finches modify twigs to pry out grubs.With no true woodpeckers on the Galápagos Islands,this behavior allows it to exploit an untapped food source.However,not all members of this species exhibit this behavior which is learned from watching other finches.Therefore,
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Retirement accounts where contributions are made with after-tax dollars, and qualified withdrawals in the future are tax-free.
Coverdell Education Savings Accounts
A tax-advantaged investment account in the United States designed to encourage savings for future education expenses.
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Retirement plans for self-employed individuals and unincorporated businesses, allowing tax-deferred savings for retirement.
Employer-sponsored Retirement Plan
A retirement savings plan provided by an employer to its employees, often with tax advantages for contributions and investment earnings.
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