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In reading the previous posts, I was reminded of how upset I get at a system whereby the "innocent" consumer is taken for a gawdawful amount of annualized interest when they receive a Refund Anticipation Loan. IMHO, it's usurious. I educate my new clients to this fact everytime ask for this service. I tell them I don't offer the service, and that they are way better off without it.

I agree 1000 percent. The RAL system makes about as much sense as the fuel which feeds the raging fire to begin with --

The EIC = welfare at its truest form.

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