You are a tax preparer tasked with completing a tax return for new client Ram and Arya Kumar. The Kumars have been married for 11 years, own their home, and have two children attending public school. They are still paying off their student loans, but they are able to donate to charity. They provide information to you to assess whether they should take the standard deduction or itemize, and they also offer some additional information on events that occurred during the year. To prepare this tax return, you will need to apply the appropriate tax laws, regulations, and codes