David

I understand all too well the lure and attraction of RALs. Not only what you set forth, but also that the entire tax preparation fee, filing, nickel and dime etc are all also paid by the RAL so no money out of pocket.
Anyway, you are to be commended for your offer. I broke down years ago and switched to commercial tax prep software, doing the AMT all over again just was too much. Keep up the great and good work.