Was prob. the easiest way I've heard, to equate the end of the payroll tax holiday. Following the logic forward, a $20, $30, $40 weekly decrease in take home pay will not "destroy the fabic of Life" for people, but there will obviously have to be changes made. With that said, the marginal discretionary things should see a hit. 1. Dinning out 2. Entertainment (Movies) 3. Smoking/drinking 4. Clothes 5. Driving (gas) 6. Sports/hobbies Ton more, but just a couple ideas for some potential shorts.