Given that this thread was locked for quite a while, while "under review", I'd say he can be excused on that point.
I'm still wondering what a RIF is.
So far I've found:
Reading Is Fundamental
Renju International Foundation
Ah, here it is:
Reduction In Force.
i.e., if he has to pay a payroll tax he'll have to fire people.
That's economics for ya.
It's a Chet Atkins deal, he's talking about a guitar rif kinda thang: Rif