it was lowered to 28%. we can take that approach again. you know, you brought up the fact that you are in real est e estate. one of the items that will be on the table is the mortgage deduction and one of the kr criticisms that the white house had, for instance on the boehner plan, is there were no details there on deductions. how do you envision just dealing with the mortgage deduction tax credit? well, the idea that i like the most is by capping deductions in the aggregate so you don t pick on one deduction or itemize deductions for mo mortgage interest or for charitable deduction but you have an aggregate that s a cap. maybe it s $35,000, whatever it might be. so you cap the total of deductions. you don t itemize them and pull one out and leave one on the table. if we end up going over the cliff, because of this tax rate issue, is it something that republicans ought to say, you know what, we can t deal with