Divide this text into sentences and correct mistakes: 1. Are you ready? Hello, everyone! We are discussing education credits today with Keith, Indira, and Vanessa. 2. The two types of education credits are the American Opportunity Tax Credit, otherwise known as AOTC, and Lifetime Learning Credit. 3. The objectives for today are to understand the difference between AOTC and Lifetime Learning Credit, recognize who is eligible for both credits, understand the rules about using multiple education credits, understand the differing modified adjusted gross income (MAGI) ranges for both credits, and eventually successfully and accurately complete Form 8863. 4. The American Opportunity Credit is the best between both credits. 5. 40% of this credit is refundable. 6. It is mainly for undergraduates and full-time students. 7. You can get this credit once every year for four years maximum, and you must be pursuing a degree. 8. You can receive up to $2,500 per student. 9. The great thing about the 40% refundable portion is that even if you owe less than $2,500 in taxes, as a student or recently graduated student, the American Opportunity Tax Credit could provide you with a refund beyond your tax bill. 10. This refundable portion of the tax credit is limited to 40% of what you will qualify for. 11. If you do not owe any taxes and have qualified education expenses, the most you could receive is $1,000. 12. The Lifetime Learning Credit is the second-best option. 13. It is more flexible than AOTC. 14. Graduate students are eligible. 15. It can be used in any eligible institution, and it can be claimed over four years. 16. If you are in a grad program for five or more years, you can use this program. 17. You can claim up to $2,000 per taxpayer. 18. If you...