Here is my 2 cents worth! In order to get alot more back from any tax program, you have to itemize! We never have enough to do that, so we take the standard deduction. And yes, I use HRB on the web and do it myself! A couple of years ago, my DH didn't have confidence in me (and I've done our taxes for probably 30+ years), so he thought we would try an accountant, and the figures were NOT any different than what I had figured, but cost us our whole state tax refund for cost of doing the taxes with her.($150) So now he trusts me again!! We never have any doctor bills or anything to equal more than standard deductions.