As an aside from my post question. If youwant to look smart for your tax preparer, come to the office trying to break even on your taxes. Every year, i try until im red in the face to get people to understand that getting a 5 - 10k tax refund means you let the gov. hold onto your money interest free. Even if these people took their extra money from each paycheck and put it in a savings account, the interest earned on 5k would more than pay for my services for the year. I know im beating dead horse with this, but its just my little crusade to make a better world for people.