Yes, I question if it is a valid refund. The reality is I have given the government interest free use of my funds for a year. The money that they send back has been negatively effected by inflation, it is now worth less, and I am supposed to be happy about this turn of events? I receive one check each year, and I am supposed to be excited about it. With a FAIRTAX HR25 I receive a check each month to untax my family on the necessities of life, a feature which keeps us up with inflation, and there are 12 checks not one. Now that's what I call a fair tax! Doby!