<HTML>Warning: I am not an HR specialist. That said, Check your pension plan. Disability insurance. Other parts of your compensation package based on base pay rather than gross. Current year interest is one thing, but are you also losing out down the line? Even paying your medical insurance out of pre-tax dollars reduces the amount your social security deposits are based on and by the way reduces the size of your employer's share too. True the amout is "small," but... DoreneC</HTML>