diff --git a/Payroll-Liabilities.md b/Payroll-Liabilities.md
index eac53f6..615ee03 100644
--- a/Payroll-Liabilities.md
+++ b/Payroll-Liabilities.md
@@ -58,8 +58,8 @@ Double check that ALL FIELDS have been filled out appropriately, the correct qua
 
 Print double-sided (only pages 1-2) and mail to:
 
-Department of the Treasury
-Internal Revenue Service
+Department of the Treasury  
+Internal Revenue Service  
 Kansas City, MO 64999-0005
 
 **Form 941 is paid via EFTPS**
@@ -72,6 +72,8 @@ Note that this is done *instead of* a Quarterly 941, but only if approved by the
 
 Note that this needs to be done *in addition to* the Quarterly 941 form and/or the Yearly 944.  The form is at (https://www.irs.gov/pub/irs-pdf/f940.pdf).  Instructions are available at (https://www.irs.gov/instructions/i940).
 
+**Special Note for Schedule A:** New York seems to be a credit reduction state every year.  So make sure to download the year-specific F940 Schedule A form that shows what the rates are for that year.  For example, in 2024, NY is 0.009 and this form is at (https://www.irs.gov/pub/irs-prior/f940sa--2024.pdf).
+
 #### Instructions
 
 ##### Top of Form
@@ -97,10 +99,10 @@ Bitnetix:
 * Part 5 (lines 16-17) will likely be blank
 * Schedule A: Enter the appropriate amount in the NY box, do the math, and carry back to line 11
 
-Print double-sided (only pages 1-2) and mail to:
+Print double-sided (only pages 1-2, *make sure you have Schedule A if required* and staple it together) and mail to:
 
-Department of the Treasury
-Internal Revenue Service
+Department of the Treasury  
+Internal Revenue Service  
 Kansas City, MO 64999-0046
 
 **Form 940 is paid via EFTPS.**