thanks everyone for your i am a big panicker just part of my many medical problems , we went to hr and they are figuring it for us prolly about 5000.,, so we will hold it until next year, we have no kids left to claim no real dections and have been paying the last few years , and we were audited and owe them 7000, we are working on now.. whew the great thing is at least noe i am approved and will have a monthly income , that i will set up to have them max 25 percent taken out from now on , once i get my aproval letter so far all i have recieved is the back pay