Jack - one of the major issues is that no one knows precisely how much the CAI will actually be.  There were rumours early on that the base would be $600 for 2021 as opposed to $490 for 2020 tax return.  Profile is using the 2020 figure in the letter but does say it's only an estimate.

This change is really causing problems with some tax clients who have enjoyed the extra $420 - 490 refund in the spring and are shocked that nothing forthcoming until July.  I've also had to warn employees of bookkeeping clients that this has changed.  Can't say anyone is impressed.

Jo Ruelle