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Tax-deferred basis and if they can max it out, they will. that's been a boon to wall street over the last many years. >> if this happens, who do employees go to try to put money away and save for retirement without these taxes? >> they could probably look at annuities from the insurance business, which are effectively tax-deferr ered wrappers that a like a 401(k). they can look at the roth ira which is after-tax money but you're not taxed on the back end and the profits build up tax-free, but still, this is really, again, taxing the middle class ultimately to pay for the wealthy getting a big ...

By the branches. so the marine corps came out this week, they took that away. really does hurt the young troops especially because sometimes they don't know if they're going to go to school. but having that t.a. helps. however, they could still go with montgomery g.i. bill and that is something that can help them. >> clayton: let's put up the next two. take us through both. the veterans educational assistance program, followed by the state veterans program. what are those two? >> again, once again, these are programs that -- the veap is a little older and kind of like a 401(k) for education, t...