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@HeavenlyPossum A slight tangent but it's interesting how misunderstood tax brackets are, at least how they work here in the uk (and back in NZ it was the same).

People near a tax bracket complain that their next payrise would cause them to take less money home after tax, not understanding the new tax is only on money in that bracket. I sometimes wonder if it was structured in a way to confuse more people into shouting down taxes.