a radio talk show the other day had some financial guru on there, and said not to spend it that the goverment was going to change laws this yr which you may not get back as much as you were if you were getting a refund, and most likley be paying into state.if you are paying state now, expect to pay more.i guess i dont trust our govt enough now, ill bank mine and act like i never had it to see how things pan out.ive lived without it this long, i can live without it longer.any thing for free usally will cost you down the road is what he said.as bad as i could spend it , im not.