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They feel good about the opportunities ahead of them. confidence is way up and well end strong this year. >> hal? >> a fantastic holiday sales season. consumer confidence is near an all-time high. women, hispanics, black, asians. the consumer confidence number is the key for the employment number. the tax cuts are in full effect. net pay is up and raises coming through. on top of that, the oil prices dropping. lower gas prices. these policies of president trump have put more cash in peoples pock...

>> neil: you talked about im simplicity. i remember that when you took out and index card and showed us. its a great allure. i talked to a lot of people saying simplicity is one thing but i want a lower net pay. i want my taxes to go down whether its on an index card or a 50-page tax form, a lot of people are crunching numbers and chagrinned to find out with losing some write-offs and deductions in order to pay for this, that its not that big. what do you say to that? >> what youll see is across...