If the down votes you received don't tell you that you're wrong, maybe this will: https://www.crowe.com/insights/crowe-financial-services-tax-insights/clawback

If the down votes you received don't tell you that you're wrong, maybe this will: https://www.crowe.com/insights/crowe-financial-services-tax-insights/clawback-payoffs-cost-more-than-you-think https://www.crowe.com/insights/crowe-financial-services-tax-... If it was me, I'd have to pay an accountant to help me too.