Makes me laugh when people get so excited about their "refund". So, you like loaning your hard earned money to the gov't for 12 months, interest and penalty free and then get excited when you get it back? Say you were to OWE the gov't taxes at tax time...do you think you could say, "Hey Uncle Sam, give me 12 months and I'll get that cash to ya" and they would waive penalties and interest? I think not. And now if you want your "refund", they are contemplating delaying giving your money back even longer! I have to laugh. //content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif Reminds me of the golden rule, namely, he who has the gold makes the rules.