Upon objection to confirmation by creditor, the Bankruptcy Court, Duncan W. Keir, Chief J., held that: (1) when calculating disposable income on Form B22C, the debtors were entitled to deduct the Local Ownership Allowance for vehicles which were not encumbered by liens; and (2) “disposable income” as calculated on Form B22C is the presumptive “projected disposable income” for application of Section 1325(b)(1)(B), but may be rebutted by evidence of a substantial change in circumstance.