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The most painful effect of a recession is:
Tax Liability
The total amount of tax owed to a taxing authority, such as the IRS, based on taxable income and tax rate.
Personal and Dependency
Terms related to exemptions that can be claimed on tax returns for oneself and for dependents, affecting taxable income.
Exemption
Deductions allowed by law to reduce taxable income based on the taxpayer and dependents.
Married Couple
Two individuals legally united in marriage, whose marital status can affect their tax filings, legal rights, and other societal entitlements.
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