“Probably put it back into energy-efficient windows in my house.”

— Thomas MacEwan, Internet service provider, Glen Falls, N.Y.

“Well, if I get a tax refund, I’m just going to pay a couple of my small bills, get back to even. I’m not going to Vegas.”

— Patrick J. Mulligan, retired, Lawrence

“We’re planning on putting some of it away and paying some bills.”

— Linda Duval, housewife, Lawrence

“We are paying bills.”

— Becky Harper, assistant office manager, Eudora