ms. mccowan. >> thank you very much, mr. chair. good to have you here. and i have two questions. they're rather brief, so i will give them to you together. many americans get up and go to work every day. more of them would like to be able to get up and go to work every day but americans go up and go to work every day. they work hard and they contribute to the success of our country. for every dollar of income from wages, these working americans, they end up quite often paying double the tax rate, double the tax rate of investors receiving income from dividends or capital gains. so to me this hardly seems fair. since there's such a significant tax benefit, even a bias, i would say, extended to investors over working americans, is there some equitable, qualifiable benefit to the economy and job creation inherent in every dollar investors receive from dividends or capital gains versus the dollar that's earned in wages? so what's the impact the federal deficit and this tax inequity and the benefits provided to investors who are workers? my second question kind of goes back to -- i'd