If you want a free spreadsheet so you can easily change variables and see line by line results, go to www.edcosoft.com/qitc.html and download their demonstrator. Handles AMT, phaseouts, Etc. Your biggest problem will be trying to figure out which dividends will be Qualified. By the way Edcosoft will have the 2004 calculator on their site to download in early January or sooner. ed
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