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1040, america, american, bills, calcuation, calculate, cash, credit, debit, dollars, figure, figuring, finance, finances, form, forms, income, income tax, internal revenue service, irs, liability, money, numbers, owe, owed, owing, pay, payment, penalties, penalty, pencil, rebate, refund, refunded, revenue, table, tax, tax time, taxed, taxes, usa,