I don’t understand what you’re getting at. Page 18 is the tax vs penalty discussion I referred to. > They argued several dumb points, you’ll have to narrow it

I don’t understand what you’re getting at. Page 18 is the tax vs penalty discussion I referred to. > They argued several dumb points, you’ll have to narrow it down. Arguing that the fee is a “penalty” in this case seems pointlessly dumb. Seems like they should have argued the fee a “fee”.