Retailers across the country expect big sales for the first quarter of the year. They know this is the time of year when 75% of Americans get a big check in the mail courtesy of Uncle Sam. Nobody likes filing their taxes, but everyone likes getting a refund. It’s free money, right? Whoa … hold that thought for a moment. Before you celebrate your sudden windfall with a new big-screen TV, think about how your refund gets there. It might not really be the free money you think it is.