Whether it's a penalty or a tax, it's all one in the same. It's coming out of somebody's hard-earned money in their pocketbooks and that's the point. So in some ways, to me, it's a distinction without a difference.
I think of guitar players in terms of doctors: you have the doctor for your heart, the cardiologist, then one that works on your feet, your leg. But I believe George Benson is the one that plays all over. To me, he would be the M.D. of them all.

