I can say that I have misgivings as to whether the mortgage-interest deduction is equitable. After all, people who own homes but don't itemize (only 10% of filers itemize), can't take advantage of the MID. However, since it exists and since I itemize, you can bet I am taking the MID every year. I can also question whether senior citizens should have received an extra $6,000 exemption on taxes but since I am nearly 70 and I use Turbo Tax, the tax advantage is built in to the system. Congress decided to give me the tax break and I took it. I don't think that makes me a hypocrite.