this is why it's important to build an open-source tax calculation engine, as @breck and others have done, so that the creation of tax startups are not disadvantaged (they start from step 19 rather than step 1). this is (fairness in) market competition driving the market to efficiency, the exact opposite of monopoly/oligarchy (e.g., turbotax, taxact & hr block) extracting economic rents while languishing under lobbied regulatory protection.