Flap, I don't think it's dumb at all to get a refund. As long as my clients understand the whole "government has your money" thing. For those people that still choose to get a refund, it's normally because it is a method of forced savings that works for them.
Making decisions based on what's best for them is much smarter than making decision based on animosity toward the government.
Me, on the other hand, I'll have to pay.
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