effective rate lower than the cuent published rate so this is mething that you have reallyook at wa, istheir fective rate and what is their published rate. and because there are so many exceptions, more than 5,000 in the last ten year as loan, that people are paying all kinds of different effective rates. so i think this will be more transparent it will be more predictable what your rate is going to be. >> but it sounds really popular, that we will get rid of exception and these deduction but when you look at them they are things like the mortgage deduction, the deduction for employer health-care expenses. you haven't said which ones. have you going to get rid of popular things like the mortgage deduction. >> we don't need to get rid of tm all to get to 25. soart waf we want to do now is that a public process, obviously having these benchmarks in our budget is very important that send a signal the direction we want to go. and that is what a budget document is now we need to continue the hearing process and really continue to have a dialogue with the american people about where is the political conse