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Thanks for the reply, sak9645. Fortunately, my wife & I weren't exporing SN adoption as a way to lower fees. My employer is extremely generous in regards to adoption reimbursement, and matches the amount of the federal tax credit. So as it stands today, the first $23,300 is covered either by my employer or by the tax credit. The only concern for us is paying the costs up front and waiting until the adoption is finalized to be reimbursed (well....there's also the thought that the tax credit could be reduced after 2009).
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