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@loganmo: The IRS said it didn't know the answer to my tax question, and that I'd have to consult a tax attorney.




I did this earlier today and received a callback in a few hours. Despite asking a very specific question regarding [b]UPFRONT[/b] MIP they answered the question regarding monthly MIP which I already knew the answer.
Now - they were quick, they were friendly, and they even sent me the part of the tax code that answers the question they answered.