Even though 1996 didn't usher in a major overhaul of the federal tax code, let alone put an end of the IRS as we know it, there's a lot taxpayers can do to lower their 1996 tax bill before Jan. 1. Wait until April 15, tax experts say, and you'll be too late, and that doesn't just go for megabuck incomes in the top tax bracket. For a few timely suggestions on year-end moves to lessen your tax burden, read Money Monday in today's Honolulu Star-Bulletin.