Had my first losers in on Saturday.   MFJ - 2 kids     Lost the 16K in exemptions and 4K to SALT  Then their withholdings were 1500 less for each of them.  Their big $7000 refund they get each year that they use for vacation was only $1500. 

I did explain that they already got $3000 of it in their paychecks through the year,  they understood, but were still sad.