@miklkent I'm going to be writing Tuesday about IWO. While it's safe to say, won't be as good as your writing. I hope you find it helpful.
Ps, Ive made some progress too about use of soc security numbers. I remember you saying you wish you didnt have to use them all the time!
Wishing you and family all the best
I look forward to reading your stuff on the SSN. What is "IWO"?
Income with-holding