>> neil: the credit idea would be a set dollar amount or just for different income groups? >> it's a set dollar amount with a cap on it. >> neil: in addition to doubling the standard deduction for a lot of families, this would be on top of that? >> yes, sir. >> neil: so their concern among the deficit hawks is how the heck are we going to pay for that. you say? >> i say that we're talking what is left of the mortgage interest deduction and using the tax expenditure geared to the wealthy and putting it toward the middle class. >> neil: all right. again, meantime, that doesn't look like it's going to happen. dan mitchell has more. how big of a deal with that when the home builders association is saying no, not us? >> obviously you want every interest group to be possible on your side. i can understand why the home builder's guy, he's in charge of defending his piece of the swamp. obviously when you combine that with the other swamp creatures trying to preserve the existing system, that's one of the