year, which is what personal finance people always tell you is the best thing to do. but a lot of families really, they rely on the tax refund, you know, sort of forced savings. >> it's a perception issue, and it really is for people because no matter how many times you tell them you shouldn't over with hold, people want than refund. >> it's like a windfall. >> but he's high-tax states, don't cry for me in some of these high tax states, there are going to be big, big stocks in new jersey, illinois, some of those places that so many households depend on those state and local tax deducks. those have been capped and lot of those are blue states. so it wasn't hard for the trump administration and republican-led congress to make those big changes there. but it could be something that women making history at the grammys. but it's part of a speech you didn't hear that is stealing headlines. >> you've got my attention.