Please recognize that the difference between 36% and 31% only applies to that last $10000 or so of income--so the tax difference is $500 or so. It isn't a 5% difference on the whole income! Lots of people don't understand that. So your crisis isn't all that awful. If you have stock market losses to take against stock market gains, do so. If you can defer some income into 2001, you might be able to do that. Bet wishes, Chris
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