Years ago I realized that for three quarters I had been mailing my estimated tax payments to the incorrect US Treasury address. The address was for the US Treasury, but not the branch to which I should have addressed my mail. I asked my tax man, "Since I've sent these three payments to this address, should I go ahead and send this one there, too?" He looked at me with bewilderment and then asked one of the most significant questions I've ever been asked: "Why would you keep doing the wrong thing?"
Should you be asking yourself that question right now?