 Oh, yes, these tax cuts, they were all for the rich, and they were all for the corporations, and the people in the middle class aren't feeling that at all. Well, folks, here's one way they're feeling it, because personal disposable income needed to service mortgage debt in this country and keep it current, it's only four and a quarter percent, lowest in a long, long, long, long time, and people are living on who claim that tax law changes.