invest the money we have left over and we make money on that investment we're taxed a tax at a capital gains rate, around 15% or whatever it is and that's the thinking behind the different rates. bill: i understand. >> again, most people don't necessarily think about this either way. even for their own investments. they probably don't think about it. the reason romney is paying a lower effective tax rate right now is he doesn't have a salaried job with income tax, he's making money off his investments. again, politically ho it's how you handle it. bill: your hreug bigger poin bigger point is well-taken. americans are going to vote on how they feel today and the direction they are headed tomorrow. thank you, david. david drucker in washington. martha: growing criticism as the president prepares to meet with the ladies of the view while telling his key ally that his schedule may be too-jammed