I’m slow on these things. My

[Eugene]

I’m slow on these things. My federal tax rate is 15%. State is 9.3%? I take it your “35%” has something to do with tax breaks?

35% is 25% or 28% federal (or 26% AMT) + 9.3% state.

There may be some prospective homebuyers like you in 15% bracket, but their number is low, for obvious reasons.