very informative post....thank you.
What people need to realize is that even if their income and number of dependents, overall financial situation does not change in 2013, the coming fiscal cliff; Taxmageddon, might mean that even if whatever they had withheld from employment income in 2012, years from 2008 forward, it may not be enough for 2013.
http://www.atr.org/days-taxmageddon-a7203
Now (2013) is not the time to have substantially less withheld from employment income if they think that by doing so, they are “giving it to the man”, “going Galt, “not feeding the beast”. Those that do may be in for a very nasty surprise on April 15, 2014.