问题如下：
1. What is the expected future accumulation in 15 years assuming these parameters hold for that time period?
选项：
A. £1,930,929.
B. £1,962,776.
C. £1,994,447.
解释：
B is correct.
r* = r(1–pdtd–piti–pcgtcg)
= 0.06*[1–(0.30)(0.15)–(0.20)(0.35)–(0.40)(0.25)]
= 0.0471 or 4.71 percent
T* = tcg(1–pd–pi–pcg)/(1–pdtd–piti–pcgtcg)
= tcg(1–0.30–0.20–0.40)/[1–(0.30)(0.15)–(0.20)(0.35)–(0.40)(0.25)]
= 0.0318
FVIFTaxable = £1,000,000[(1 + r*)n(1–T*) + T*]
= £1,000,000[(1 + 0.0471)15(1–0.0318) + 0.0318]
= £1,962,776
T*的分子部分视频就没听懂什么意思，麻烦老师解释一下T*分子部分t*（1-Pi-Pd-Pcg）含义是什么？我的理解是unrealized capital gain的税收？但是为什么分子要用未实现的capital gain的税收，怎么理解
