This model is based on the in vitro skin model Skin2 [5] which had been discontinued in October 1996. It was further proposed by industry to apply the model in a tiered strategy to identify those chemicals that are predicted to be likely to be phototoxic in the 3T3-NRU-PT but are negative in vivo [6].
401(k) contribution rules. On a pretax basis, employees can't contribute above certain limits. In 2015, for instance, the limit is $18,000; those 50 and older can make additional catch-up contributions of $6,000.This money is not counted toward income, and all gains are tax-deferred. The limits are the same for Roth 401(k)s, though the contributions do count toward income and all gains are tax-free.But employees can sock away a lot more retirement cash if their company plan offers an after-tax option in a traditional 401(k).he limits are the same for Roth 401(k)s, though the contributions do count toward income and all gains are tax-free. But employees can sock away a lot more retirement cash if their company plan offers an after-tax option in a traditional 401(k).
The 2015 contribution limit for a 401(k) is $18,000; $24,000 if youâre 50 and over. Then you can also deposit up to $5,500 in a Roth or traditional IRA for 2015 ($6,500 if youâre 50 and up). Thatâs the combined limit for both types of IRAs, by the way.You canât put, say, $5,500 each into an IRA and a Roth IRA.If youâre maxing out your 401(k) and have more to save, opening a Roth IRA can help you sock away another $5,500 or $6,500 a year (for restrictions, see below).hatâs the combined limit for both types of IRAs, by the way. You canât put, say, $5,500 each into an IRA and a Roth IRA. If youâre maxing out your 401(k) and have more to save, opening a Roth IRA can help you sock away another $5,500 or $6,500 a year (for restrictions, see below).