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people asked for waivers. even unions because it is so complicated. they frankly don t want to pay. it s so complicated that it s not going to work. steve: well, we re going to find out soon enough. h & r block, the big tax preparer, they apparently are feeling some heat from their customers because they re trying to tell people, look, the reason your refund is smaller this time, it s not because of us. it s because of the government. in fact, they ve got a new ad out that looks like this. people don t realize that taxes and health care are connected. the affordable care act means big changes appear when you file your taxes. i read the whole 900 pages. it literally tack me weeks. i will give you a tax and health wear review. i know the law. i have the solution and i can help you figure it out. we re going to see this through together. brian: i m glad she s smiling. that will make sense.