Today, less than 30 percent of American taxpayers take advantage of the mortgage interest deduction. Under our proposal, everyone who has a mortgage will get a benefit.

Both plans restructure tax benefits ... and make these benefits fairer by ensuring they are available to all taxpayers - not just the 35 percent who itemize.

in the best interest of the young man.

The highest-income Americans don't need tax-free health insurance, mortgage interest deductions or deferred taxation on retirement funds.

The majority of the benefit from the present treatment of mortgage-interest deduction goes to the very high income.

Some of their recommendations are bound to be politically unpopular.  Cutting the home-mortgage interest deduction is an example. But it's important to have a comprehensive starting point that will get everyone talking and thinking,