Households in the lower quintiles benefit from a number of provisions
in the Obama plan. Obama would create several new refundable credits
(i.e., credits available regardless of income tax liability),
including ones for mortgage interest and education expenses, and would
expand and make fully refundable both the child and dependent care
credit and the saver's credit. Households in the bottom quintiles
would also benefit from Senator Obama's expansion of the Earned Income
Tax Credit (EITC). In addition, the Making Work Pay credit would
provide up to $500 ($1,000 for couples) for lower- and moderate-income
working households regardless of income tax liability.

On Wed, Oct 15, 2008 at 12:35 PM, Zaphod Beeblebrox
<[EMAIL PROTECTED]> wrote:
> still not seeing this part:
>
> -- ** These refunds have the ability of reducing a taxpayer's
> liability below zero, meaning they can get a refund without actually
> paying taxes. **
>
>

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