celinda lake, thank you, great to see you as always. charlie black, welcome back.ant to break down some numbers. let's see if we get this right. middle income tax cuts. the middle income tax cuts. now, we're going to start down -- i believe this is the right. this is the lower end. the old rate, let me just get this right. the old rate 25%, okay? the new rate is 20%. so you're going from 25% to 20%. the savings, if i can circle this around, the increase in take-home pay from this cut is $1,600. now, that's several months mortgages for a whole lot of people who are kind of in the lower middle class end. it's not nothing. it's something. now, for the middle, now i'm going to call this the middle middle end, okay? 28%, let me see if i get this right. 28% goes down to 22%. these are people i'm going to guess making about $100,000 a year. you can't do this to perfection, but they would make, increase of take-home pay of $3,600. going from 28% to 22%, is worth $3,600. that is a very substantial tax cut and increase in take-home pay. and finally, for the upper middle inco