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BTW be aware of a scam going on. People are getting calls from someone claiming to be the IRS. I got one from a "Nickki Johnson" and as I have heard of this before I yanked their chain a few times but someone we know actually was so convinced she was at the bank to w/d money when her hubby returned her call and stopped her. He know it was a scam. The IRS will not call you. They will send letters. The "agents" are Indian I think. I should know an Indian accent by now. :D. I asked one of them...