Yes, Tax Day, though not a National Holiday, is a date that certainly looms on the calendar every year whether we like it or not. The old saying about there being only two certainties: death and taxes - I guess given the choice, the latter is perhaps preferable.
If you're like me, you're in the group of earlier filers -- the day I have my W-2 in hand I am filing. This means I usually file no later than the middle of January. So why have I not gotten my refund?