Refund? Unless it is because of a tax credit, why would you loan money interest free to the US Government.
This morning I finished the returns for personal and several family members. Having adjusted withholding and/or estimated payments during the year, 6 are sending payments to the government in amounts less than $100, the other is getting a refund, as a granddaughter had taxes withheld on Unemployment and the last Recovery bill made the first $10,000 (or so) tax free. She is getting back $700.
I do not understand the attitude that a tax refund is forced savings, take x amount from your pay each check and bank it.