to the category covered by the table—that is, only if the debtor will incur that kind of expense during the life of the plan." This, in effect, requires courts to make a "threshold determination of eligibility" for the debtor regarding their claimed allowances. In support of its interpretation, the Court explained that it ensured that the term "applicable" carried meaning, as every word in a statute should, to avoid the word being superfluous. It also comported with the statute's definition at of "disposable income" as "current monthly income...less amounts reasonably necessary to be expended", because if a debtor won't actually have a particular kind of expense then an allowance to cover that cost is not "reasonably necessary." Finally, the Court viewed its interpretation as in furtherance of the objectives of BAPCPA, which was to ensure that debtors pay creditors the maximum amount they can afford. To resolve the question of what kind of expense the "Ownership Costs" allowance covered, the Court turned to the Collection Financial Standards (CFS). Though the statute did not incorporate the CFS, the Court thought that, given that the National and Local Standards are created, revised, and applied by the IRS, "[t]he agency might, therefore, have something insightful and persuasive (albeit not controlling) to say about them." The Court accordingly declared that courts may consult the CFS in aid of interpreting the National and Local Standards so long as it is not contrary to the statutory language. Regarding the "Ownership Costs" table, the CFS explained that the dollar amounts derived from a five-year average of car financing data compiled by the Federal Reserve Board. The CFS further stated that only individuals who made such payments were eligible for that deduction. All other costs associated with owning a car, such as maintenance, insurance, and registration, were included in the "Operating Costs" allowance, which Ransom had also claimed. Because Ransom owned his car outright, the Court, therefore, concluded that he was not eligible for the "Ownership Costs" allowance. Scalia's dissent Justice Antonin Scalia, in dissent, stated he would have held that a debtor who owns a car free and clear is still entitled to the car-ownership allowance. Scalia criticized the Court's reliance on the Collection Finance Standards, which, he pointed out, were not incorporated by the Bankruptcy Code and were not part of the Local Standards that the Code did incorporate. "In the present context," he wrote, "the