Negative effective income tax rates result from:

negative tax bracket rates applied to low-income households.

nonrefundable tax credits.

refundable tax credits.

negative tax bracket rates, nonrefundable tax credits, and refundable tax credits.

Traditional IRAs may allow you to achieve which of the following?

I.		Tax free distributions.
II.		Tax-deferred growth.
III.		Reduce current taxable income.

I and II.

I, II, and III.

I only.

II and III only.