let me ask ms. olsen, one of the issues that you and i spoke about when you were kind enough to come by my office a few weeks ago was this whole issue of liens and the concern you expressed about the irs liens filing policy causing harm to taxpayers without increasing irs revenue collections in the process. i guess i would just ask if you can briefly describe the concern you have got there and the solution using we should consider. >> what we identified was that irs over the last few years has been instituting policies where liens are filed automatically without looking at specific circumstances. we look further into what is the effect of that lien filing on the taxpayer, and it caused the credit score to pot one of the points in the lead, and even when the taxpayer paid off the linen, it sat on the report for years and years. it had a huge effect on their ability to pay future taxes. we did a study that showed from the payments that we could track, very few payments and very few dollars actually came fro