>I volunteer in the AARP tax prep program.
Thank you; see you soon, I'm heading into the nightmare of retirement.
>We are taught to use either of those aggregating methods
The politics is that simplification helps the government and helps the people. The reality is that when simplification is exploited it helps the rich and exploits the poor. Most retired people are fairly rich but not bigly rich; the simple fact is that we cannot retire unless we are rich!
