I've been reading the articles complaining about HR Block's Refund Anticipation Loans (RALs) and the allegation that they target low income tax payers, those that receive EITC. I worked one season at Block many years ago and "sold" many RAL's to customers. I can personally attest to the following: 1) We were never told to target anyone or any group. 2) We were told to offer the RAL to everyone receiving a refund. 3) We always explained that it was a loan that would be paid off by the refund - one of the... read full review »