Sometimes, all you can do is just laugh.
At least, the IRS thingie is just a stupid mistake made by the banks with the paperwork they turned in (and of course, the bank that did all this is now defunct! Of COURSE!). Thank goodness, I keep every scrap of paper related to bank transactions. And I am so thankful that we'll be able to manage the extra expenses. Not easily, but it's do-able. Heh, I should have been a circus performer: I am an uncoordinated klutz, but boy can I juggle money!