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Credit. by point to you is simple, if you intentionally abuse the internal revenue service or the lax laws in front of you, you bet, ali, they're going to come after you with a negligent penalty that could be as much as 20%. there's a big difference between intentionally making a mistake on the return or a mathematical error. the critical issue is only claim those deductions or credits that are relevant to you or the irs, when they audit you, could think you intentionally tried to defraud the government, which now we're talking not only a negligent penalty, we're also talking about a criminal ...

Big in iowa, but he's going. up against somebody who is already benefiting from the evangelical support, and that's michele bachmann. we shall see. anyway, let's begin with the continuing fallout following the s&p's decision to downgrade the u.s. credit rating for the first time. with me now, cnbc's chief washington correspondent, john harwood, who sat down with treasury secretary tim geithner on sunday. and the first piece of news has to do with secretary geithner reaffirming that he is staying for the entirety of the term. that gives some srnt, but what did he say about s&p? >> he was tryi...