[Im_Your_ATM]

I have two different accountants. One is knowledgable, a little unpleasant, and wants me to pay $3,000 more than the other accountant. Two is semi-clueless, experienced, a beyond bad speller, and wants me to pay $3,000 less than the other accountant. This company offers a $25 insurance policy where if they screw up they are liable for the first $5,000. Is it immoral to take the accountant who will file my taxes and save $3,000 even though she is taking deductions that are not legal/correct? She is an expert and I am covered for $5,000 worth of expenses. Due to extenuating (spelling?) circumstances I will have to pay the .5% of taxes late fee if I take the $3,000 cheaper lady. I'd still come out way ahead.