"It's a rainy Tuesday in March. Maya's T4 just arrived in the mail and she's stared at it for ten minutes. Box 14: $54,200 (employment income). Box 22: $7,800 (income tax deducted). Box 16/17: CPP and EI contributions. The form looks like a parking ticket and she doesn't know if she's about to get a refund or owe money."