> witholding (ie taxes) The witholding rate is not the tax rate... if your actual tax burden is less than 30%, you file a tax return in April and Uncle Sam wri

> witholding (ie taxes) The witholding rate is not the tax rate... if your actual tax burden is less than 30%, you file a tax return in April and Uncle Sam writes you a check for the difference. There's a time-value-of-money cost, but not an actual cost.