One of the big reasons President Bush worked so hard to reduce the exhorbitant taxes paid by us is so that we would be prompted to save for more for the future in addition to being more fair to us. Our spending habits are already a bit excessive so, investing and saving is my first recommedation. However, if you have managed to put 10% or more of your income into an IRA this year then I guess you deserve to splurge a little bit on your refund. Assuming this is the case then I would heartily recommend the Magnepan 3.6's. A simply outstanding and, most of all, a fun speaker to own. I bet this was the main contributing factor in the Hovland/AR system that floored you. The speaker ususally is.