Your W-2 form reports that your total wages were $46,555 for 2018. Your W-2 form also reports that $6,398 was withheld from your wages for federal income tax. You receive a 1099-INT from your bank that indicated interest earned of $645. You are single, under the age of 65, not blind and not claimed by any other person as a dependent. What is the amount of your payment or refund?