Ключевые слова: account, accountant, accounting, american, amount, aotc, appointment, banking, budget, business, concept, cost, credit, debt, effort, exemption, expense, finance, financial, growth, income, investment, learning, money, opportunity, outcome, pay, period, plan, problem, professional, profit, rebate, return, savings, scholars, spending, tax, tax planning, tax refund, tax time,