Pam and Jim have been happily married for 30 years and have been successful as partners in a family scrapbooking company. Now they are ready to retire, and their residual income will put them in the 35% marginal tax bracket. Thankfully they made a wise investing decision in the lean, early years when their tax rate was only 10%. Now they will save greatly on their tax liability. What type of investment account will allow them to make tax-free withdrawals?

Middle schoolhistory 5+3 pts 1. the pacific islands formed by coral reefs are called (1 point) a. volcanic. b. reefs. c. atolls. d. plates. 2. what is a reason few people have settled in the interior of australia? (1 point) a.no mineral wealth is in the area. b.land is too expensive. c.the area is too dangerous. d.the area has little water and arable land. 3. what was one effect of plate movement on the pacific region? (1 point) a.australia and new zealand became b.connected to north america. c.plate movement isolated many species. few volcanoes formed. d.the regional climate grew much colder. 4. you live on a small island in the pacific ocean. though beautiful, your island has poor soil for farming and few natural resources. you most likely live (1 point) a.on a densely populated island. b.on the south island of new zealand. c.in new guinea on a volcanic island off the coast of australia. d.on a low island. 5. which change would most likely have to take place first to encourage more human settlement in the outback? (1 point) a.the climate would need to get warmer. b.the winters would need to be milder. c.the region would need more fertile land and water d.people would need to build more cities there. 6. what would be an example of how the maori are reclaiming their culture? (1 point) a.learning english b.playing rugby and other sports c.studying maori culture in schools d.learning how to cook asian cuisine 7. what conclusion can correctly be made about british colonization of this area? (1 point) a.the british policies embraced the cultures of the original inhabitants. b.the british disregarded the cultures of the original inhabitants. c.the british had a neutral policy toward native cultures. d.none of the above plz answer these