Long Pine: I hear what your saying and I suppose it MAY work, my only thought is if someone could not afford the taxes how will they swing the added expense of now borrowing even more? I do understand the theory of stretching out the payments longer though. That's how people get into trouble, can't afford a $2,000 item so they whip out the plastic. Then guess what? A month later the bill comes in any way and they mail in $100.00 a month at around 18% interest!

That's the exact same reason the stock market had a "correction" of late - credit worries.