My wife filed 9 exemptions at the beginning of the year to get paid in full, so we have paid no state tax and some federal. I didn't know she did this and at the time, BK wasn't even on the radar. From that I guess we will owe taxes and not have a refund for 2005. I guess this is a good thing as last year we had $3000 refund. It makes sense not to get a refund, but I hope a big tax bill isn't waiting. We have my busiess expenses that bring in the refund and I didn't have to estimate taxes as we got a full refund. I'm thinking with my income at a fourth of last year, we would owe very little anyway.