49.6% to 37%, we saw that state and local tax deduction capped at $10,000. that repeal of the obamacare act. what's your counsel to individuals still trying to process what's in those many hundreds of pages. >> if you're filing an e zerz f, the companies will take care of those forms. if you do have a -- figure out exactly how this affects you, at what level the various tax rates kick in, what your total tax rate will be in 2018. if you're a married couple that has an llc or a pass through entity, s-corp, what have you, you get a tax deduction.