Every year between January 1 and April 15, millions of Americans have the taxpayer's equivalent of a lottery fantasy and daydream about how to use their tax refund. A popular option -- one that also reaps long-term rewards -- is showing the family home a little love with improvements and repairs. When there are changes in tax laws, however, some taxpayers are surprised to learn that their refund is a bit less than expected. Though this may be a disappointment for those with g