(1) What do the letters in A.G.I. represent? (2) Is a contribution to a traditional I.R.A. deductible for A.G.I., or is this contribution deductible from A.G.I., or is such a contribution not deductible at all? (3) Which of these two possible deductions from A.G.I. should a taxpayer claim: itemized deductions OR a standard deduction? In other words, how should a taxpayer decide which of these two possible deductions should he/she claim? (4) Is interest income from municipal bonds includable OR excludable