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Collected. in other words, if you actually collected the tax you were supposed to collect, there's now more deductions -- >> you have to pay a tax preparer who knows all those rules so that by the time you save all the money you've actually paid somebody to figure out all the money you should save. >> president obama must have the best accountantn the plant because 19%. >> and the people at the irs they are getting bonuses for all the . >> the fraud sters are out that are actually taking that refund money and the irs seem unable to get a handle on that situation either. >> there you go. that w...

Those. any time something new comes out, unfamiliarity by the public breeds risk. there are going to be fraud sters putting up fishing sites that look like the real thing but aren't. >> cross examine your explanation of benefits. walk us through this one. >> exactly. when you're done with a doctor's office visit or at the hospital, you get an explanation of benefits, which is just all of the procedures you've had done. if you review that and you see something that wasn't yours, you need to contact your insurance company immediately. it could be somebody else using your benefits to their advant...