True or False: In a life insurance policy illustration, it is very important to select an interest rate that is a relatively accurate representation of actual rates over the period because slight changes in the interest rate result in significant changes of the present values and accumulated values being calculated and compared. Likewise, it is important to use a marginal tax rate in the policy illustration that is the same as the marginal tax rate for the prospective policyowner. Minor variations in the tax rate can result in significant changes in the after-tax costs to the policyowner and other involved participants.