Julia’s gross pay was $4,500 last year. The federal income tax withholding from her pay was 13% of her gross pay. Julia determined the federal income tax she owes is $495. How much of a refund can Julia expect?

Julia had $4,500 × 0.13 = $585 withheld from her pay. Since she owes $495 in federal income tax, her refund is $585 − $495 = $90, so the correct choice is $90.00.

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