client brought out three sets of returns with them.. I had a half hour budgeted for the main set of returns but did not know about the other two sets of returns and thought oh no.. this will take more than a half hour.. especially when i saw both husband and wife made about the same amount, a prime case for filing separate for the savings on the Ohio side.. then i saw the diamond, a 1098-T and I knew I could go joint, saving the time in splitting the returns into two sets as the education credit on a joint return was more than the savings they would have seen on the ohio side.. got all three sets done, in about 35 - 40 minutes so it did not me put me too far behind.