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In response to "Despite the current pain, financially, this is better than getting a refund." by psilotum

In that academic-not-really-applicable-to-real-life way, yes, it is.

It's like not getting billed for electricity all year and then being like "hey, fucko, you kept this money all year, now give me $1,200!" oh, the joy I had all that money I didn't know I had! :)

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