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is is possible that your current employer is looking at you projected earnings with them for the year and not your gross annual salary?

Bingo. You should become a tax advisor. That doesn't explain everything, considering my effective rate would still be 15% if i were single, but that helps a lot. I'm glad you brough that to my attention before i headed to talk to the folks in charge of this stuff at my company. Seems to me they still need to be taking out at least 15%...
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