5. How did your tax liability change when you had a child? Why do you think the tax policies do this? (6 points: 3 for correctly finding the change in liability, 3 for a plausible reason for the change) 1. With the wide availability of the Internet, many financial institutions are exclusively online. These Internet-only banks can usually offer higher rates on interest-bearing accounts than traditional, brick-and-mortar banks. Why do you think Internet exclusivity translates to higher rates on interest-bearing accounts? (10 points)