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I would plug this information into AI explain that TRUU is going to be phased out and explain the tax/tarriff schedule for early withdrawal. Then ask the LLM to explain it to you. Keep asking it questions or to explain it in different ways until you get it solidified in your mind. Run scenarios by it and hypothetical trades and it will tell you what you need to know. Good luck and hope you find the info you need to clarify on this topic.