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Darlene, age 35, and Devin, age 36, are married. Darlene earns $48,000, and Devin earns $41,000. Their adjusted gross income is $97,000. Darlene's employer provides

Darlene, age 35, and Devin, age 36, are married. Darlene earns $48,000, and Devin earns $41,000. Their adjusted gross income is $97,000. Darlene's employer provides her with a qualified pension plan; ...

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