But do 40% of households not file tax returns, because that is what we are talking about here, and I'm pretty sure a large portion of that 40% do file because t

But do 40% of households not file tax returns, because that is what we are talking about here, and I'm pretty sure a large portion of that 40% do file because they get refunds/rebates, and I'm pretty sure a large portion of that portion use a service because they can get their refund/rebate quicker (though as a loan at payday loan advance rates).