Yes I am one of those dual income families with kids and was so looking forward to the $2600 credit that the IRS said might be mine. But the dang AMT (alternative minimum tax) resulted in a sweet credit of zero, absolutely nada! My only upside to this was the Ford Z plan. I owe my late father a great deal of gratitude for his 26.5 years at FoMoCo (Terminal Island & Pico Rivera, CA plants). When FoMoCo forced him to retire at least they gave him the Z plan which has saved his children some hard earned cash and made us some loyal Ford owners.