Chapter 26 Tax Practice and Ethics Comprehensive Volume © 2012 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. 1 The Big Picture (slide 1 of 2) • Campbell Corporation is preparing its Form 1120 for the tax year. • The entity develops and manufactures a number of electronic products, including a line of GPS applications that are downloaded onto cell phones. • Campbell’s research department works with: – The U.S. government on a line of security sensitive software, and – Traditional software architecture and development. • Some of the research department’s work clearly qualifies for the Federal income tax credit for incremental research expenditures. – But for some other items, the availability of the credit is not so certain. The Big Picture (slide 2 of 2) • You are Campbell’s tax adviser. • This situation presents you with several levels of difficulty. – How aggressive should you advise Campbell to be in reporting items that qualify for the incremental research credit? – Will Campbell’s taking an overly aggressive position on the credit trigger a tax preparer penalty for your consulting firm? – What level of diligence should you exercise in advising Campbell as to whether specific expenditures qualify for the credit, given that your expertise with GPS software is limited to using the unit in your personal auto? • Read the chapter and formulate your response. Tax Administration (slide 1 of 3) • The IRS is responsible for administration and enforcement of the tax laws – Provides info to taxpayers through publications and forms with instructions so taxpayers can comply with the tax law – Identifies delinquent tax payments – Carries out assessment and collection procedures Tax Administration (slide 2 of 3) • In meeting its responsibilities, the IRS conducts audits of selected tax returns – About 1% of all individual tax returns are audited each year – Certain tax returns, such as those for high income individuals or cash-oriented businesses, have a much higher audit rate Tax Administration (slide 3 of 3) • To enhance its enforcement efforts, the IRS has focused much effort on: – Developing requirements for information reporting and document matching – Increasing pressure on tax advisers • The IRS has recently undertaken a major reorganization and adopted new operational strategies aimed at improving its efficiency while enhancing its interaction with taxpayers Organizational Structure of the IRS Letter Rulings (slide 1 of 3) • When a tax issue is controversial or involves significant tax dollars, a taxpayer may request a letter ruling from the IRS – The ruling provides a written statement of the position of the IRS concerning the tax consequences of a course of action contemplated by the taxpayer Letter Rulings (slide 2 of 3) • The ruling can only be relied upon by the party requesting the ruling – Other taxpayers may use the ruling as an indication of the IRS’ position on the matter • Letter rulings are generally followed by the IRS for the taxpayer who requested the ruling as long as all material facts of the transaction were accurately disclosed in the ruling request Letter Rulings (slide 3 of 3) • Letter rulings may be declared obsolete by the IRS for other taxpayers • A fee is charged by the IRS for processing a ruling request Determination Letters • Provide guidance regarding a completed transaction when the issue involved is covered by judicial or statutory authority, regulations, or rulings – Issued for various estate, gift, income, excise, and employment tax matters Technical Advice Memorandum • Issued by the National Office to IRS personnel in response to a request by an agent, Appellate Conferee, or IRS executive – May be requested by taxpayer when an issue in dispute is not treated by the law or precedent and/or published rulings or regulations – Also appropriate when there is reason to believe that the IRS is not administering the tax law consistently Technical Expedited Advice Memorandum (TEAM) • Can be used during an office or field audit – Designed to reflect the position of the IRS in a shorter time than a TAM otherwise would take – This quicker response time is possible because prior to submitting the TEAM request • The taxpayer and IRS agree to the facts and conduct a presubmission conference • Technology, including e-mails and faxes, is used to gather facts as part of the process • The IRS holds an internal strategic planning meeting, discussing potential responses to various holdings that could be issued as part of the TEAM IRS Administrative Powers (slide 1 of 3) • Examination of records – The IRS can examine a taxpayer’s records to determine the correct tax due • Burden of proof – If taxpayer meets the record keeping requirement and substantiates income and deductions properly, the IRS bears the burden of proof in establishing a tax deficiency during litigation IRS Administrative Powers (slide 2 of 3) • Assessment and demand – The IRS can assess a tax deficiency and demand payment of a tax – The assessment cannot be made until 90 days after a “statutory notice of deficiency” is issued to the taxpayer • During the “90 day letter” period, taxpayer may file a petition with the U.S. Tax court, which prevents the IRS from collecting the amount until after the Tax Court case is resolved • After assessment the IRS demands payment within 30 days IRS Administrative Powers (slide 3 of 3) • IRS collection procedures – If the taxpayer does not pay an assessed tax, the IRS can place a lien on all property belonging to the taxpayer – The IRS can garnish (attach) wages and salary and seize and sell all nonexempt property by any means • A taxpayer’s principal residence is exempt from the levy process, unless – The disputed tax, interest, and penalty exceed $5,000 and – A U.S. District Court judge approves of the seizure IRS Audit Selection (slide 1 of 3) • The IRS does not disclose its audit selection process • Utilizes mathematical formulas to select returns: – Likely to contain errors and – Yield a substantial amount of additional tax revenue IRS Audit Selection (slide 2 of 3) • Examples of audit selection – Certain taxpayers are more likely to be audited such as: • Individuals with gross income > $100,000 • Self-employed individuals with substantial business income and deductions • Cash businesses where potential for evasion is high IRS Audit Selection (slide 3 of 3) • Most audits of individual tax returns are started about two years following the date the return is filed Types of IRS Audits (slide 1 of 3) • Correspondence audits – The return is checked for mathematical accuracy or clearly erroneous deductions, etc. soon after the return is filed – In addition, several months after filing, all 1099s and W-2s and other matching information is verified – If a discrepancy is found in either of these cases, the IRS simply sends the taxpayer an explanatory letter and a bill or a refund Types of IRS Audits (slide 2 of 3) • Office audits – These audits are frequently limited in scope, and can be conducted in the IRS office – The taxpayer is generally asked to substantiate the items requested (i.e., present invoices, canceled checks, etc.) Types of IRS Audits (slide 3 of 3) • Field audits – Commonly used for corporate returns and for returns of individuals engaged in business or professional activities – These audits are generally conducted at a taxpayer’s home or business Audit Procedures (slide 1 of 4) • Prior to or at the initial interview, the IRS must – Provide the taxpayer with an explanation of the audit process and – Describe the taxpayer’s rights under that process • IRS representative must suspend the interview if the taxpayer clearly states a desire to consult an attorney, CPA, or enrolled agent Audit Procedures (slide 2 of 4) • The IRS must grant permission to make an audio recording of any interview, upon advance request • On completion of the examination, the IRS agent will file a Revenue Agent’s Report (RAR) outlining recommended changes to the return (if any) Audit Procedures (slide 3 of 4) • The RAR is reviewed internally before the IRS assesses an additional tax • The taxpayer may accept the RAR or appeal within the IRS • Appeal within the IRS must be accompanied by a written protest unless: – The amount of tax does not exceed $10,000 for any tax year – The adjustment resulted from a correspondence or office audit Audit Procedures (slide 4 of 4) • Settlement with an IRS agent is based solely on the merits of the case, given IRS policy • Settlement at the IRS appeals level can be based on the “hazards of litigation” - e.g., the likelihood that the courts would agree with the IRS position Offers in Compromise and Closing Agreements (slide 1 of 2) • Offers in compromise – IRS can negotiate a compromise if taxpayer is financially unable to pay the tax • May result in IRS accepting less than full amount of tax due • Final payment of taxes may be allowed through installment payments Offers in Compromise and Closing Agreements (slide 2 of 2) • Closing agreements – May be used: • When disputed issues carry over to future years • To dispose of a dispute involving a specific issue in a prior year or a proposed transaction involving future years – Binding on taxpayer and IRS Interest (slide 1 of 3) • Congress sets interest rates applicable to underpayments and overpayments of tax – Rate is determined quarterly – Based on federal short-term rates • For noncorporate taxpayers – The interest rate for both over- and underpayments is 3% for the first quarter of 2011 • For most corporate taxpayers – The rate is 2 % for overpayments and 3% for underpayments Interest (slide 2 of 3) • IRS deficiency assessments – Interest accrues from unextended due date of return until 30 days after taxpayer agrees to the deficiency by signing Form 870 – If amount due is not paid within 30 days interest again accrues on the deficiency Interest (slide 3 of 3) • Refund of taxpayer’s overpayments – If refunded within 45 days after return is filed or is due, no interest is allowed – If taxpayer files an amended return or a claim for a refund of a prior year’s tax, interest is accrued from the original due date of the return • Even then, no interest accrues until a return is filed or, if the return has been filed, if the IRS pays the refund within 45 days Taxpayer Penalties (slide 1 of 11) • A comprehensive array of penalties are used to promote compliance with the tax law • Failure to file a tax return – Penalty is 5% per month (up to 25%) on amount of tax due • Minimum penalty is $135 – If failure is due to fraud, rate is 15% per month (up to 75%) Taxpayer Penalties (slide 2 of 11) • Failure to pay tax due – Penalty is 1/2% per month (up to 25%) on amount of tax due – If failure is after notice of deficiency is received, rate is 1% per month • Both above penalties can be eliminated if reasonable cause exists for failure to file or pay – Failure to file penalty is reduced by any failure to pay penalty for the same month Taxpayer Penalties (slide 3 of 11) • Accuracy-related penalties – 20% of portion of tax underpayment due to: • • • • Negligence or intentional disregard of law Substantial understatement of tax liability Substantial valuation overstatement Substantial valuation understatement – Penalty applies only if taxpayer fails to show a reasonable basis for the position taken on the tax return Taxpayer Penalties (slide 4 of 11) • For purposes of this accuracy-related penalty – Negligence includes any failure to make a reasonable attempt to comply with the tax law • Penalty also applies to any disregard of rules and regulations whether careless, reckless, or intentional • Penalty applies to all taxes except when fraud is involved • Penalty can be avoided upon showing reasonable cause Taxpayer Penalties (slide 5 of 11) • Substantial understatement of tax liability – Occurs when tax understatement exceeds the larger of 10% of amount due or $5,000 – For a C corporation, a substantial understatement occurs when tax understatement is the lesser of • 10% of the tax due, but at least $10,000 • $10 million • This penalty applies unless: • The taxpayer has substantial authority for the tax treatment • Relevant facts are disclosed in the tax return Taxpayer Penalties (slide 6 of 11) • Penalty for overvaluation of an asset – Penalty is 20% of additional tax that would have been due if correct valuation had been used – Penalty applies if valuation is 150% or more of correct valuation • Penalty is doubled if the valuation is overstated by 200% or more – Penalty applies only to extent that resulting tax underpayment exceeds $5,000 ($10,000 for C corporations) Taxpayer Penalties (slide 7 of 11) • Penalty for undervaluation of an asset – Penalty is 20% of additional tax that would have been due if correct valuation had been used – Penalty applies if the valuation is 65% or less than the correct amount • Penalty is doubled if the reported valuation was 40% or less than the correct determination – The penalty applies only to an additional transfer tax liability in excess of $5,000 Taxpayer Penalties (slide 8 of 11) • Appraiser’s Penalty – When a valuation penalty arises due to reliance on an appraisal and the appraiser knew the appraisal would be used as part of a tax or refund computation, then the appraiser pays a penalty equal to the lesser of: • 10% of the tax understatement, but at least $1,000, or • 125% of the gross income received by the appraiser from the engagement (e.g., the appraisal fee collected) Taxpayer Penalties (slide 9 of 11) • Penalty for Improper Refund Claim – If a refund claim is filed and later found to exceed the final amount allowed by the IRS or a court, a penalty of 20% of the disallowed refund results • The penalty is waived if the taxpayer can show a reasonable basis for the refund claim (i.e., probably a 20% chance that a court would allow the refund) • This penalty is meant to discourage the taxpayer from overstating the amount of the refund requested from the IRS Taxpayer Penalties (slide 10 of 11) • Civil fraud penalty – 75% penalty on any underpayment resulting from fraud by the taxpayer – For this penalty, burden of proving taxpayer civil fraud by a preponderance of evidence is on the IRS Taxpayer Penalties (slide 11 of 11) • Criminal penalties – Various monetary fines and/or imprisonment may be assessed – Burden of proof is on IRS to show guilt beyond the shadow of any reasonable doubt Estimated Taxes (slide 1 of 3) • A penalty is imposed for failure to pay estimated taxes – Applies to individuals, corporations, trusts, and certain estates – Penalty is not imposed if tax due < $500 for corporations, $1,000 for all others • Quarterly estimated tax payments should be paid on 15th day of the 4th, 6th, and 9th months of the current year and the 1st month of the following year – Corporations must make the last quarterly payment by the 12th month of the current year Estimated Taxes (slide 2 of 3) • An individual’s underpayment of estimated tax is the difference between the estimates that were paid and the lesser of : – 90% of the current-year tax, – 100% of the prior-year tax • If prior-year AGI > $150,000, the required payment for the prior-year alternative is 110 % – 90% of the tax on an annualized income basis Estimated Taxes (slide 3 of 3) • A corp.’s underpayment of estimated tax is the difference between the estimates paid and the lesser of: – The current-year tax, – The prior-year tax, and – The tax on an annualized income computation • For the prior-year alternative – The prior tax year must have been a full 12 months, and – A nonzero tax amount must have been generated for that year – For large corporations (taxable income of $1 million or more in any of the 3 immediately preceding tax years) • Can use this alternative only for the 1st installment Other Penalties (slide 1 of 3) • False Information with Respect to Withholding – A civil penalty of $500 applies when a taxpayer claims withholding allowances based on false information – A criminal penalty for willfully failing to supply information or supplying false or fraudulent information is an additional fine of up to $1,000 and/or up to one year of imprisonment Other Penalties (slide 2 of 3) • Failure to Make Deposits of Taxes and Overstatements of Deposits – A penalty of up to 15% applies for failure to pay the FICA and income tax amounts withheld from wages of employees – A 100% penalty applies if the employer’s actions are willful – In addition, the employer remains liable for the employees’ income and payroll taxes that should have been paid Other Penalties (slide 3 of 3) • Failure to Provide Information Regarding Tax Shelters – A tax shelter organizer must register the shelter with the IRS before any sales are made to investors • A penalty of up to $10,000 is assessed if the required information is not filed with the Service – The shelter organizer must also maintain a list of identifying information of all its investors • Failure to fully and truthfully maintain the list can result in a penalty of up to $100,000 per investment Statutes of Limitations (slide 1 of 2) • In general, any tax imposed must be assessed within 3 years of filing the return (or, if later, the due date of the return) – Exceptions to the 3 year rule include: • If no return is filed or a fraudulent return is filed, there is no statute of limitations • If taxpayer omits gross income > 25% of gross income stated on the return, statute of limitations is extended to six years Statutes of Limitations (slide 2 of 2) • Refund claims – Must be filed within 3 years of filing the tax return or within 2 years following payment of the tax, if later – A 7 year period applies to refund claims relating to bad debts and worthless securities Circular 230 (slide 1 of 4) • Generally, practice before the IRS is limited to CPAs, attorneys, and enrolled agents – In limited situations, other parties may be allowed to practice before the IRS • • • • • A taxpayer may always represent himself or herself Employees may represent their employers Corporations may be represented by their officers Partnerships may be represented by any of the partners Trusts, receiverships, guardianships, or estates may be represented by their trustees, receivers, guardians, or administrators or executors • A taxpayer may be represented by whoever prepared the return for the year in question (only through the agent level) Circular 230 (slide 2 of 4) • The IRS requires that all paid tax return preparers, including CPAs and attorneys, obtain a Preparer Tax Identification Number before they assist taxpayers with returns for a new filing season. – Preparers (other than CPAs, attorneys, and enrolled agents) must pass an annual qualifying exam, designed to evaluate their familiarity with new tax laws and filing requirements that will apply for the filing season. • Circular 230 prescribes rules governing practice before the IRS – Includes prohibitions against: • Taking a position on a tax return unless there is a realistic possibility of it being sustained • Taking frivolous tax return positions – A frivolous return is one with a less than 5% chance of being sustained by the courts Circular 230 (slide 3 of 4) – Also contains requirements to: • Disclose nonfrivolous tax return positions that fail the realistic possibility standard • Inform clients of penalties likely to apply and ways they can be avoided • Make known to clients any error or omission the client may have made • Submit records lawfully requested by the IRS Circular 230 (slide 4 of 4) – Also contains requirements to: (cont’d) • Exercise due diligence and to use best practices in preparing and filing tax returns accurately • Not unreasonably delay disposition of matters before the IRS • Not charge an “unconscionable fee” for representing a client before the IRS • Not represent clients with conflicting interests • Not charge contingent fees for preparing an original return – Such fees can be charged when dealing with an audited or amended return The Big Picture – Example 16 Realistic Possibility Standard (slide 1 of 2) • Return to the facts of The Big Picture on p. 26-2. • Campbell wants to claim the research credit for a testing program that it has developed, to be used by its in-house engineers before a new GPS app is released to the public. – Based on their tax research on this issue, the members of your firm’s tax department have severe doubts about taking the credit for this program. The Big Picture – Example 16 Realistic Possibility Standard (slide 2 of 2) • Your firm’s position is that there is a one-infour chance that the courts would allow Campbell’s credit. – Claiming the credit fails the realistic possibility standard of Circular 230. • Therefore, if Campbell claims the credit, you must insist that its Form 1120 include a separate disclosure on the return, probably using Form 8275. Preparer Penalties (slide 1 of 4) • The Code provides penalties to discourage improper actions by tax practitioners • A penalty for understatements due to taking an unreasonable position on a tax return – The penalty is imposed if the tax position: • Is not disclosed on the return and there was no substantial authority (i.e., > 40% chance) that the tax position would be sustained by its merits on a final court review, or • Is disclosed on the return and there was not a reasonable basis (i.e., probably a 20% chance) for the position – The penalty is computed as the greater of • $1,000 or • One-half of the income of the practitioner that is attributable to the return Preparer Penalties (slide 2 of 4) • 2. A penalty for willful and reckless conduct – The penalty applies if any part of the understatement of a taxpayer’s liability on a return or claim for refund is due to: • The preparer’s willful attempt to understate the taxpayer’s tax liability in any manner • Any reckless or intentional disregard of IRS rules or regulations by the preparer – The penalty is computed as the greater of • $5,000 or • One-half of the income of the practitioner that is attributable to the return or claim Preparer Penalties (slide 3 of 4) • 3. A $1,000 penalty ($10,000 for corps.) is imposed against persons who aid in preparation of returns they know (or have reason to believe) would result in an understatement of tax liability of another person – If this penalty applies, neither the unreasonable position penalty (item 1) nor the willful and reckless conduct penalty (item 2) is assessed Preparer Penalties (slide 4 of 4) • 4. A $50 penalty is assessed against the preparer for failure to sign a return or furnish the preparer’s identifying number • 5. A $50 penalty is assessed if the preparer fails to furnish a copy of the return or claim for refund to the taxpayer • 6. A $500 penalty may be assessed if a preparer endorses or otherwise negotiates a check for refund of tax issued to the taxpayer Privileged Communications • Communications between attorney and client are protected from disclosure to other parties (such as the IRS and the tax courts) – Similar privilege of confidentiality extends to tax advice between a taxpayer and tax practitioner – Not available for matters involving: • Criminal charges • Questions brought by other agencies, such as the Securities and Exchange Commission • Promoting or participating in tax shelters AICPA Standards For Tax Services (slide 1 of 6) • Statement No. 1: Tax Return Positions – Under certain circumstances, a CPA may take a position that is contrary to that taken by the IRS • Must have a good faith belief that the position has a realistic possibility (i.e., probably a one-in-three chance) of being sustained • Fully advise client of the risks involved and the associated penalties – The CPA should not take a questionable position based on the probabilities that the client’s return will not be chosen by the IRS for audit The Big Picture – Example 19 Realistic Possibility Standard (slide 1 of 3) • Return to the facts of The Big Picture on p. 26-2. • Campbell’s new marketing program solicits the opinions of a virtual focus group to test ideas for new products. – Based on your tax research, you believe that the program might qualify for the Federal income tax research credit even though it involves marketing research that is excluded from the credit under § 41(d)(4). – Still, you believe that there is only a 30% chance that the courts would allow the credit. • You meet with Shelly Watkins, Campbell’s tax director, to convey the results of your research. The Big Picture – Example 19 Realistic Possibility Standard (slide 2 of 3) • Watkins agrees that the research credit would be turned down by an IRS auditor. – But, she says that Campbell never has been audited and that it is not likely to be audited as long as its legal structure and income levels do not significantly change. • Watkins believes that Campbell’s corporate officers will sign off on the credit, given both the firm’s weak cash position and the low chances that the item will be discovered. The Big Picture – Example 19 Realistic Possibility Standard (slide 3 of 3) • As a CPA, you must inform Campbell that – Claiming the credit for this activity does not have a realistic possibility of being sustained on its merits, and – Certain penalties will be assessed if the credit is claimed and not further disclosed on the return. • Whether the credit is claimed is the decision of your client, the taxpayer. – But if Campbell wants to claim the credit without the required additional disclosures, you must terminate your engagement with Campbell, under the SSTS and other AICPA provisions AICPA Standards For Tax Services (slide 2 of 6) • Statement No. 2: Questions on Returns – A CPA should make a reasonable effort to obtain from the client, and provide, appropriate answers to all questions on a tax return before signing as preparer • Reasonable grounds may exist for omitting an answer AICPA Standards For Tax Services (slide 3 of 6) • Statement No. 3:Procedural Aspects of Preparing Returns – In preparing a return, a CPA may in good faith rely without verification on information furnished by the client or by third parties • The CPA should make reasonable inquiries if the information appears to be incorrect, incomplete, or inconsistent. • The CPA should refer to the client’s returns for prior years whenever appropriate AICPA Standards For Tax Services (slide 4 of 6) • Statement No. 4:Estimates – A CPA may prepare a tax return using estimates received from a taxpayer if it is impracticable to obtain exact data • The estimates must be reasonable under the facts and circumstances as known to the CPA • When estimates are used, they should be presented in such a manner as to avoid the implication of greater accuracy than exists AICPA Standards For Tax Services (slide 5 of 6) • Statement No. 5: Recognition of Administrative Proceeding or Court Decision – As facts may vary from year to year, so may the position taken by a CPA – In these types of situations, the CPA is not bound by an administrative or judicial proceeding involving a prior year AICPA Standards For Tax Services (slide 6 of 6) • Statement No. 6: Knowledge of Error – A CPA should promptly advise a client upon learning of an error in a previously filed return or upon learning of a client’s failure to file a required return • The error or other omission should not be disclosed to the IRS without the client’s consent • If the past error is material and is not corrected by the client, the CPA may be unable to prepare the current year’s tax return Refocus On The Big Picture (slide 1 of 4) • Your work with Campbell Corporation and its incremental research credit may prove troublesome. • To avoid the taxpayer and tax preparer penalties, substantial authority must exist for claiming the credit. – Unfortunately, the tax cases and Regulations do not appear to provide much guidance with respect to research expenditures of this sort. • How does one craft a tax return position when the tax law largely is silent as to the particulars of the facts of the taxpayer’s situation? • How much risk of incurring a tax penalty are the taxpayer and your firm willing to assume in deciding how and whether to report these expenditures? Refocus On The Big Picture (slide 2 of 4) • Beyond the monetary effects, you and the client must consider the publicity aspects of taking this issue to court. – Does Campbell want to be the ‘‘test case’’ in the Tax Court on this matter? • What would be the effects on your consulting firm if a preparer penalty or even loss of professional certification were to result? • If the credit is to be claimed, what degree of ‘‘disclosure’’ is required? • At a minimum, your firm and Campbell’s tax department must conduct thorough research of analogous situations in the law. – Due diligence in this regard would require that you examine how other similar technological innovations were treated for tax credit purposes. Refocus On The Big Picture (slide 3 of 4) What If? • The risk profiles of the tax adviser and a client seldom are identical. • What position should your firm take if Campbell’s tax department decides to claim the full incremental research credit for an item on which the tax law is silent or unclear, but your firm recommends that a special disclosure be made on the return concerning the item? – A disclosure of this sort would protect the parties from later assessment of tax penalties. • Campbell believes that drawing attention to the credit item would increase the likelihood of a targeted audit of the expenditures by the IRS. Refocus On The Big Picture (slide 4 of 4) What If? • Although you are certain that tax fraud is not a problem on the Campbell return, you are concerned about the ramifications of Campbell’s desire to omit the recommended disclosure. – Your firm might decide to leave the Campbell engagement altogether if it is especially sensitive to exposure to penalties, or if it is not certain that adequate research has been done to support the tax return position. • Charges of a lack of due diligence by your firm might be brought by the IRS, the firm’s professional ethics or certification bodies, or the issuer of its malpractice insurance. • Clearly, none of these results is attractive to your firm. If you have any comments or suggestions concerning this PowerPoint Presentation for South-Western Federal Taxation, please contact: Dr. Donald R. Trippeer, CPA trippedr@oneonta.edu SUNY Oneonta © 2012 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. 75