3. After filing his taxes, Jay discovered he was in debt. Which of the following accounts for his tax debt the
most likely?
a. Amounts deducted from his paychecks were insufficient.
b. An excessive amount of money was deducted from his salary.
c. Jay unintentionally selected "Married filing jointly" rather than "Single" when submitting his taxes.
d. Jay is being asked by the IRS to provide an advance on his potential taxes for the upcoming year.