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I think what they’re saying (I didn’t look at the data yet) is that while the rate at 300k is lower, that lower rate doesn’t make up for the higher rates that individual will have paid until that point. So for the individual in question, the net positive doesn’t happen until 1m.
Ah yeah. Might just be a bad graph since it says “by income group” and then breaks down by the actual bracket. Not sure exactly which it means still but I think they’re right