Precisely. Withholding was a brilliantly evil move. Rather than having to save to fork out a chunk of money once a year, taxpayers never see feel the pain of paying taxes as they never have their hands on it and it goes out in dribbles. But it's worse than that... My farrier's daughter got her first job at a fast food restaurant. Once she had worked several days he asked her when she was getting her first pay check. She replied, "I guess when the government sends it to me." Programming.