I have, from time to time, also received a FEDERAL INCOME TAX REFUND, which is a greyer area. Depending upon your point of view, it’s either my money or money from the government, either an increase or decrease or I have somehow precipitated a cut in federal revenue.

Regardless, you should assume then, gentle reader, that I am withholding too much from my paychecks every week, and I think you would be right.

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