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Speaking from the White House, the President says the violence in Libya is "outrageous" and "unacceptable," and that his Administration is looking at the "full range of options we have to respond to this crisis." His full remarks below:Download Video: mp4 (53MB) | mp3 (5MB) 201102/126572President Bush Meets with President Torrijos of PanamaPRESIDENT BUSH: Mr. President, thank you for coming. It's -- bienvenidos.PRESIDENT TORRIJOS: Yes.PRESIDENT BUSH: Yes. President Torrijos has been a good personal friend and he has been a good friend to freedom and prosperity and democracy. I've been very impressed by your leadership.The Panamanian economy is strong. They are implementing now a very strategic decision, which is the -- building a parallel canal in Panama. I remember when you first explained it to me there, when I went to visit you, I was most impressed. And then you're here now briefing me that the plans are not only in place, but the operations are beginning soon. And I congratulate you for that.We talked about bilateral issues. One key issue, of course, is the free trade agreement between the ed States and Panama; Congress needs to get it done. This is important for our -- both our nations, it's important for our economies, and it's important for our friendship. And I appreciate you coming to talk to members of Congress. I think it is most useful.And so it's a joy to be with you again, and I'm proud to have you here. And I pledge to you that I will continue to work hard on this important agreement -- and I will. Welcome.PRESIDENT TORRIJOS: Thank you, sir. Thank you. It's always a pleasure talking to you and looking at our bilateral relations. They have grown stronger. There's a lot of issues of cooperation in the agenda, cooperation that will make a difference to common people in Panama -- health programs, the regional center that's been established in Panama; educational programs -- we're talking; and of course our commitment to free trade, and, as you said, the commitment that we hope we'll be y to help in any way to -- in the process.And I just want to thank you for being a friend of the country, being aware of our problem, and reaching out to help the Panamanian people. So thank you, sir.PRESIDENT BUSH: Thank you.200809/49057本文本暂无音频President Bush Discusses Emergency Economic Stabilization Act of 2008THE PRESIDENT: A short time ago, the House of Representatives passed a bill that is essential to helping America's economy weather the financial crisis. The Senate passed the same legislation on Wednesday night. And when Congress sends me the final bill, I'm going to sign it into law. There were moments this week when some thought the federal government could not rise to the challenge. But thanks to the hard work of members of both parties in both Houses -- and a spirit of cooperation between Capitol Hill and my administration -- we completed this bill in a timely manner. I'm especially grateful for the contributions of Speaker Nancy Pelosi, Minority Leader John Boehner, Majority Leader Steny Hoyer, Minority Whip Roy Blunt, Chairman Barney Frank, Ranking Member Spencer Bachus. By coming together on this legislation, we have acted boldly to help prevent the crisis on Wall Street from becoming a crisis in communities across our country. We have shown the world that the ed States of America will stabilize our financial markets and maintain a leading role in the global economy. A major problem in our financial system is that banks have restricted the flow of credit to businesses and consumers; many of the assets these banks are holding have lost value. The legislation Congress passed today addresses this problem head on by providing a variety of new tools to the government -- such as allowing us to purchase some of the troubled assets, and creating a new government insurance program that will guarantee the value of others. The bill also ensures that these new programs are carried out in a way that protects taxpayers. It prevents failed executives from receiving windfalls from taxpayers' dollars. It establishes a bipartisan board to oversee the plan's implementation. Taken together, these steps represent decisive action to ease the credit crunch that is now threatening our economy. With a smoother flow of credit, more businesses will be able to stock their shelves and meet their payrolls. More families will be able to get loans for cars and homes and college education. More state and local governments will be able to fund basic services. The bill includes other provisions to help American consumers and businesses. It includes tax incentives for businesses to invest and create jobs. It temporarily expands federal insurance for bank and credit union deposits from 0,000 to 0,000 -- a vital safeguard for consumers and small businesses. It provides families with relief from the Alternative Minimum Tax, which would otherwise increase taxes for 26 million taxpayers by an average of ,200. I know some Americans have concerns about this legislation, especially about the government's role and the bill's cost. As a strong supporter of free enterprise, I believe government intervention should occur only when necessary. In this situation, action is clearly necessary. And ultimately, the cost -- ultimately, the cost to taxpayers will be far less than the initial outlay. See, the government will purchase troubled assets and once the market recovers, it is likely that many of the assets will go up in value. And over time, Americans should expect that much -- if not all -- of the tax dollars we invest will be paid back. Americans should also expect that it will take some time for this legislation to have its full impact on our economy. Exercising the authorities in this bill in a responsible way will require a careful analysis and deliberation. This will be done as expeditiously as possible, but it cannot be accomplished overnight. We'll take the time necessary to design an effective program that achieves its objectives -- and does not waste taxpayer dollars. Our economy continues to face serious challenges. This morning, we learned that America lost jobs again in September -- disappointing news that underscores the urgency of the bill that Congress passed today. It will take more time and determined effort to get through this difficult period. But with confidence and leadership and bipartisan cooperation, we'll overcome the challenges we face, return our nation to a path of growth, and job creation, and long-term economic prosperity. Thank you. 200810/51646

DlBUT*;9n6yU,e(%+zNXZ6@Thank you very much Professor Kombay for that generous introduction. And let me say, that I never expected to hear such kind words from Dr. Falwell. So in return, I have an invitation of my own. On January 20th, 1985, I hope Dr. Falwell will say a prayer at the inauguration of the next Democratic President of the ed States. Now, Dr. Falwell, Im not exactly sure how you feel about that. You might not appreciate the President, but the Democrats certainly would appreciate the prayer.^a|1E~u5UIYLopzActually, a number of people in Washington were surprised that I was invited to speak here -- and even more surprised when I accepted the invitation. They seem to think that its easier for a camel to pass through the eye of the needle than for a Kennedy to come to the campus of Liberty Baptist College. In honor of our meeting, I have asked Dr. Falwell, as your Chancellor, to permit all the students an extra hour next Saturday night before curfew. And in return, I have promised to watch the Old Time Gospel Hour next Sunday morning.jpoWPf+7gCI realize that my visit may be a little controversial. But as many of you have heard, Dr. Falwell recently sent me a membership in the Moral Majority -- and I didnt even apply for it. And I wonder if that means that Im a member in good standing.%_w;vB#8P2W,NR@+iL[6#jSjh+umuzxX06OInyOJ@P8BF86,7^m-imZ201111/162688

2008年美国总统竞选辩论(第二场) 参考文本:BROKAW: Good evening from Belmont University in Nashville, Tennessee. I'm Tom Brokaw of N News. And welcome to this second presidential debate, sponsored by the Commission on Presidential Debates.Tonight's debate is the only one with a town hall format. The Gallup Organization chose 80 uncommitted voters from the Nashville area to be here with us tonight. And earlier today, each of them gave me a copy of their question for the candidates.From all of these questions -- and from tens of thousands submitted online -- I have selected a long list of excellent questions on domestic and foreign policy.Neither the commission nor the candidates have seen the questions. And although we won't be able to get to all of them tonight, we should have a wide-ranging discussion one month before the election.Each candidate will have two minutes to respond to a common question, and there will be a one-minute follow-up. The audience here in the hall has agreed to be polite, and attentive, no cheering or outbursts. Those of you at home, of course, are not so constrained.The only exception in the hall is right now, as it is my privilege to introduce the candidates, Senator Barack Obama of Illinois and Senator John McCain of Arizona.Gentlemen?(APPLAUSE)Gentlemen, we want to get underway immediately, if we can. Since you last met at Ole Miss 12 days ago, the world has changed a great deal, and not for the better. We still don't know where the bottom is at this time.As you might expect, many of the questions that we have from here in the hall tonight and from online have to do with the American economy and, in fact, with global economic conditions.I understand that you flipped a coin.And, Senator Obama, you will begin tonight. And we're going to have our first question from over here in Section A from Alan Schaefer (ph).Alan (ph)?QUESTION: With the economy on the downturn and retired and older citizens and workers losing their incomes, what's the fastest, most positive solution to bail these people out of the economic ruin?OBAMA: Well, Alan (ph), thank you very much for the question. I want to first, obviously, thank Belmont University, Tom, thank you, and to all of you who are participating tonight and those of you who sent e-mail questions in.I think everybody knows now we are in the worst financial crisis since the Great Depression. And a lot of you I think are worried about your jobs, your pensions, your retirement accounts, your ability to send your child or your grandchild to college.And I believe this is a final verdict on the failed economic policies of the last eight years, strongly promoted by President Bush and supported by Senator McCain, that essentially said that we should strip away regulations, consumer protections, let the market run wild, and prosperity would rain down on all of us.It hasn't worked out that way. And so now we've got to take some decisive action.OBAMA: Now, step one was a rescue package that was passed last week. We've got to make sure that works properly. And that means strong oversight, making sure that investors, taxpayers are getting their money back and treated as investors.It means that we are cracking down on CEOs and making sure that they're not getting bonuses or golden parachutes as a consequence of this package. And, in fact, we just found out that AIG (NYSE:AIG) , a company that got a bailout, just a week after they got help went on a 0,000 junket.And I'll tell you what, the Treasury should demand that money back and those executives should be fired. But that's only step one. The middle-class need a rescue package. And that means tax cuts for the middle-class.It means help for homeowners so that they can stay in their homes. It means that we are helping state and local governments set up road projects and bridge projects that keep people in their jobs.And then long-term we've got to fix our health care system, we've got to fix our energy system that is putting such an enormous burden on families. You need somebody working for you and you've got to have somebody in Washington who is thinking about the middle class and not just those who can afford to hire lobbyists.BROKAW: Senator McCain?MCCAIN: Well, thank you, Tom. Thank you, Belmont University. And Senator Obama, it's good to be with you at a town hall meeting.And, Alan (ph), thank you for your question. You go to the heart of America's worries tonight. Americans are angry, they're upset, and they're a little fearful. It's our job to fix the problem.Now, I have a plan to fix this problem and it has got to do with energy independence. We've got to stop sending 0 billion a year to countries that don't want us very -- like us very much. We have to keep Americans' taxes low. All Americans' taxes low. Let's not raise taxes on anybody today.We obviously have to stop this spending spree that's going on in Washington. Do you know that we've laid a trillion debt on these young Americans who are here with us tonight, 0 billion of it we owe to China? We've got to have a package of reforms and it has got to lead to reform prosperity and peace in the world. And I think that this problem has become so severe, as you know, that we're going to have to do something about home values.You know that home values of retirees continues to decline and people are no longer able to afford their mortgage payments. As president of the ed States, Alan, I would order the secretary of the treasury to immediately buy up the bad home loan mortgages in America and renegotiate at the new value of those homes -- at the diminished value of those homes and let people be able to make those -- be able to make those payments and stay in their homes.Is it expensive? Yes. But we all know, my friends, until we stabilize home values in America, we're never going to start turning around and creating jobs and fixing our economy. And we've got to give some trust and confidence back to America.I know how the do that, my friends. And it's my proposal, it's not Senator Obama's proposal, it's not President Bush's proposal. But I know how to get America working again, restore our economy and take care of working Americans. Thank you.Discuss Begin:BROKAW: Senator, we have one minute for a discussion here. Obviously the powers of the treasury secretary have been greatly expanded. The most powerful officer in the cabinet now. Hank Paulson says he won't stay on. Who do you have in mind to appoint to that very important post?Senator McCain?MCCAIN: Not you, Tom.(LAUGHTER)BROKAW: No, with good reason.MCCAIN: You know, that's a tough question and there's a lot of qualified Americans. But I think the first criteria, Tom, would have to be somebody who immediately Americans identify with, immediately say, we can trust that individual.A supporter of Senator Obama's is Warren Buffett. He has aly weighed in and helped stabilize some of the difficulties in the markets and with companies and corporations, institutions today.I like Meg Whitman, she knows what it's like to be out there in the marketplace. She knows how to create jobs. Meg Whitman was CEO of a company that started with 12 people and is now 1.3 million people in America make their living off eBay. (NASDAQ:EBAY) Maybe somebody here has done a little business with them.But the point is it's going to have to be somebody who inspires trust and confidence. Because the problem in America today to a large extent, Tom, is that we don't have trust and confidence in our institutions because of the corruption on Wall Street and the greed and excess and the cronyism in Washington, D.C.BROKAW: All right. Senator McCain -- Senator Obama, who do you have in mind for treasury secretary?OBAMA: Well, Warren would be a pretty good choice -- Warren Buffett, and I'm pleased to have his support. But there are other folks out there. The key is making sure that the next treasury secretary understands that it's not enough just to help those at the top.Prosperity is not just going to trickle down. We've got to help the middle class.OBAMA: And we've -- you know, Senator McCain and I have some fundamental disagreements on the economy, starting with Senator McCain's statement earlier that he thought the fundamentals of the economy were sound.Part of the problem here is that for many of you, wages and incomes have flat-lined. For many of you, it is getting harder and harder to save, harder and harder to retire.And that's why, for example, on tax policy, what I want to do is provide a middle class tax cut to 95 percent of working Americans, those who are working two jobs, people who are not spending enough time with their kids, because they are struggling to make ends meet.Senator McCain is right that we've got to stabilize housing prices. But underlying that is loss of jobs and loss of income. That's something that the next treasury secretary is going to have to work on.BROKAW: Senator Obama, thank you very much.May I remind both of you, if I can, that we're operating under rules that you signed off on and when we have a discussion, it really is to be confined within about a minute or so.We're going to go now, Senator McCain, to the next question from you from the hall here, and it comes from Oliver Clark (ph), who is over here in section F.Oliver?02/62306President Bush Meets with President Lugo of Paraguay PRESIDENT BUSH: Bienvenidos, Sentilde;or Presidente, a la Casa Blanca. I am honored you are here to visit me in the White House. We have had a meaningful conversation -- a conversation that you would expect among people who have a deep desire to serve their respective people. Mr. President, I've been impressed by un corazon grande. You care deeply about the people of your country. And I have felt that compassion. I told the President that the ed States wants to help. We want to help with education and health care. We care deeply about people being able to work. Our -- we believe in the social justice agenda. I believe that -- that it's important that the ed States be in a position to help influence the lives of citizens that simply want a more hopeful day. And Mr. President, it gives me great comfort to know that you're the person with whom we can work. I'm impressed by the fact that you want to take a strong stand against corruption. There's nothing more discouraging than to have the government of a people steal their money. And so we stand with you. It's -- you got a hard job. I understand that. But you bring the right spirit to the job. And I so I want to -- I want to welcome you to the White House, and thank you for your conversation. PRESIDENT LUGO: (As translated.) First of all, thank you very much for the invitation. It is a commitment and a joy to be able to reinforce our historic relationship with the ed States. Many people have asked, why now? And I think that it's particularly important to visit President Bush in his last days in the White House because we think it's very important to impress upon the world the importance of democratic institutions, and also because we believe that we, as individual people, pass. We have written that our personal history is not as important as the history of our respective peoples. In Paraguay, I have entered politics in order to change the history of our country. We have not come into politics in order to get into the smokeless industry that is to steal from the people of the country. We came in as Christians, because our Christian duty is to serve the poorest and the neediest of our people. And today, as President of Paraguay, we're taking on all of the challenges with the greatest serenity possible so that we can help our people. We are profoundly hurt in our souls by poverty, by the exodus of our young people, by the lack of education, by people who don't have roofs over their heads. We are profoundly moved by those people. But that pain is also impregnated with courage and decisiveness. And we have said since the very beginning that if there was anything that was to distinguish our government, it would be international solidarity. I'll never forget that when I talked to one of our agricultural people, one of the people out in the country, a farmer who said, "What we need is b. We don't care if it comes from the left hand or from the right hand, we just need somebody to give us food." And that's why we're here, because the Paraguayans have asked us to be here as President to try to recover Paraguay's dignity as a nation. And I told President Bush that we have a lot of dreams, collective dreams, but also my personal dream. And our dream is that Paraguay be known not for its corruption, but for its transparency and for its dignity as a people and as a country. And we believe, we're convinced, that we will be able to achieve that. Thank you. PRESIDENT BUSH: Sí. Gracias, sentilde;or. Thank you, sir. Thank you. 200810/54382

Thank you all. Thank you, Justice O'Connor. Laura and I are really happy to join you today. This state is known at the "Mother of Presidents," which reminds me, I needed to call my Mother today. (Laughter.) I wish all mothers around our country a happy Mother's Day. And if you haven't called your mother, you better start dialing here after this ceremony. (Applause.) We're honored to be in Jamestown on this historic day. We appreciate the opportunity to tour the beautiful grounds here. I would urge our fellow citizens to come here, see the fantastic history that's on display. I think you'll be amazed at how our country got started. And I want to thank all the good folks who are working to preserve the past for your hard work, and I appreciate the fact that you spent a lot of time educating our fellow citizens.Jamestown was the first permanent English settlement in America; it predated the Mayflower Compact by 13 years. (Applause.) This is a very proud state, and some people down here like to point out that the pilgrims ended up at Plymouth Rock by mistake. (Laughter.) They were looking for Virginia. (Laughter.) They just missed the sign. (Laughter.)As we celebrate the 400th anniversary of Jamestown to honor the beginnings of our democracy, it is a chance to renew our commitment to help others around the world realize the great blessings of liberty. And so Laura and I are proud to join you. Justice, it's good to see you. There's no finer American than Sandra Day O'Connor, and I'm proud to share the podium with her. (Applause.)We're also proud to be with Governor Tim Kaine and Anne Holton. I'm proud to call them friends, and I hope, Ms. Kaine, that the Governor recognized Mother's Day. Glad you're here. I want to thank Secretary Dirk Kempthorne of the Department of the Interior; Michael Griffin, the administrator of NASA; members of the ed States Congress; members of the statehouse, including the Lieutenant Governor. I appreciate the Attorney General being here. I thank the Speaker for joining us. Most of all, thank you for coming.I thank the members of the Jamestown 400th Commemoration Commission. Those are all the good folks who worked hard to get this celebration in order. I appreciate the members of the Association for the Preservation of Virginia Antiquities. Laura and I saw members of the Association for the Preservation of Virginia Antiquities digging in dirt. (Laughter.) It just so happened we wandered up, and they found some artifacts. (Laughter.) I appreciate members of the Jamestown 2007 Steering Committee.The story of Jamestown will always have a special place in American history. It's the story of a great migration from the Old World to the New. It is a story of hardship overcome by resolve. It's a story of the Tidewater settlement that laid the foundation of our great democracy.That story began on a dock near London in December of 1606. More than a hundred English colonists set sail for a new life across the ocean in Virginia. They had dreams of paradise that were sustained during their long months at sea by their strong spirit. And then they got here, and a far different reality awaited them.On May 13, 1607, 400 years today, they docked their ships on a marshy riverbank. Being loyal subjects, they named the site after their King, and that's how Jamestown was born. Today we celebrate that moment as a great milestone in our history, yet the colonists who experienced those first years had little reason to celebrate.Their search for gold soon gave way to a desperate search for food. An uneasy peace with the Native Americans broke into open hostilities. The hope for a better life turned into a longing for the comforts of home. One settler wrote, "There were never Englishmen left in a foreign country in such misery as we were in the new discovered Virginia."Looking back, 400 years later, it is easy to forget how close Jamestown came to failure. The low point came after the terrible winter of 1610. The survivors boarded their ships. They were prepared to abandon the settlement, and only the last minute arrival of new settlers and new provisions saved Jamestown. Back in London, one court official summed up the situation this way: "This is an unlucky beginning. I pray God the end may prove happier."Well, the prayers were answered. Jamestown survived. It became a testament to the power of perseverance and determination. Despite many dangers, more ships full of new settlers continued to set out for Jamestown. As the colony grew, the settlers ventured beyond the walls of their three-sided fort, and formed a thriving community. Their industry and hard work transformed Jamestown from a distant English outpost into an important center for trade. And during those early years, the colonists also planted the seeds of American democracy, at a time when democratic institutions were rare. On their first night at Jamestown, six of the leading colonists held the first presidential election in American history. And you might be surprised to know that the winner was not named George. (Laughter.) A matter of fact, his name was Edward Wingfield. I call him Eddie W. (Laughter and applause.)From these humble beginnings, the pillars of a free society began to take hold. Private property rights encouraged ownership and free enterprise. The rule of law helped secure the rights of individuals. The creation of America's first representative assembly ensured the consent of the people and gave Virginians a voice in their government. It was said at the time that the purpose of these reforms was, "to lay a foundation whereon a flourishing state might, in time, by the blessing of Almighty God, be raised."Not all people shared in these blessings. The expansion of Jamestown came at a terrible cost to the native tribes of the region, who lost their lands and their way of life. And for many Africans, the journey to Virginia represented the beginnings of a life of hard labor and bondage. Their story is a part of the story of Jamestown. It reminds us that the work of American democracy is to constantly renew and to extend the blessings of liberty.That work has continued throughout our history. In the 18th century our founding fathers declared our independence, and dedicated America to the principle that all men are created equal. In the 19th century our nation fought a terrible civil war over the meaning of those famous words, and renewed our founding promise. In the 20th century Americans defended our democratic ideals against totalitarian ideologies abroad, while working to ensure we lived up to our ideals here at home. As we begin the 21st century, we look back on our history with pride, and rededicate ourselves to the cause of liberty. (Applause.)Today democratic institutions are taking root in places where liberty was unimaginable not long ago. At the start of the 1980s, there were only 45 democracies on Earth. There are now more than 120 democracies, and more people now live in freedom than ever before. (Applause.)America is proud to promote the expansion of democracy, and we must continue to stand with all those struggling to claim their freedom. The advance of freedom is the great story of our time, and new chapters are being written every day, from Georgia and Ukraine, to Kyrgyzstan and Lebanon, to Afghanistan and Iraq. From our own history, we know the path to democracy is long, and it's hard. There are many challenges, and there are setbacks along the way. Yet we can have confidence in the outcome, because we've seen freedom's power to transform societies before.In World War II, we fought Germany on battlefields across Europe, and today a democratic Germany is one of our strongest partners on the Continent. And in the Pacific, we fought a bloody war with Japan. And now our alliance with a democratic Japan is the linchpin for freedom and security in the Far East. These democracies have taken different forms that reflect different cultures and traditions. But our friendship with them reminds us that liberty is the path to lasting peace, and that democracies are natural allies for the ed States.Today we have no closer ally than the nation we once fought for our own independence. Britain and America are united by our democratic heritage, and by the history that began at this settlement 400 years ago. Last month some of the greatest legal minds in Britain and America, including Justice O'Connor and Chief Justice John Roberts, came to Jamestown to lay a plaque commemorating our shared respect for the rule of law and our deeply held belief in individual liberty.Over the years, these values have defined our two countries. Yet they are more than just American values and British values, or Western values. They are universal values that come from a power greater than any man or any country. (Applause.) These values took root at Jamestown four centuries ago. They have flourished across our land, and one day they will flourish in every land.May God bless you, and may God bless America. (Applause.) 200705/13232REMARKS BY THE PRESIDENT ON THE HOME MORTGE CRISIS Dobson High SchoolMesa, Arizona10:25 A.M. MSTTHE PRESIDENT: Thank you very much. (Applause.) Please, everybody have a seat. Thank you. Well, it is good to be back in Arizona. (Applause.) Thank you. Are you excited? (Applause.) Thank you, thank you. And thank you for arranging for such a beautiful day. I want to stick around, but I got to go back to work. But it is wonderful to be here. And to all of you, I know that attending these kinds of events, oftentimes you have to wait in line and there's all kinds of stuff going on. But I appreciate you being here very much. And to all the officials here at the school, the principal and the student body, everybody who helped make this possible, thank you so much to all of you. (Applause.) I'm here today to talk about a crisis unlike we've ever known -- but one that you know very well here in Mesa, and throughout the Valley. In Phoenix and its surrounding suburbs, the American Dream is being tested by a home mortgage crisis that not only threatens the stability of our economy, but also the stability of families and neighborhoods. It's a crisis that strikes at the heart of the middle class: the homes in which we invest our savings and build our lives, raise our families and plant roots in our communities. So many Americans have shared with me their personal experiences of this crisis. Many have written letters or emails or shared their stories with me at rallies and along rope lines. Their hardship and heartbreak are a reminder that while this crisis is vast, it begins just one house -- and one family -- at a time. It begins with a young family -- maybe in Mesa, or Glendale, or Tempe -- or just as likely in a suburban area of Las Vegas, or Cleveland, or Miami. They save up. They search. They choose a home that feels like the perfect place to start a life. They secure a fixed-rate mortgage at a reasonable rate, and they make a down payment, and they make their mortgage payments each month. They are as responsible as anyone could ask them to be. But then they learn that acting responsibly often isn't enough to escape this crisis. Perhaps somebody loses a job in the latest round of layoffs, one of more than 3.5 million jobs lost since this recession began -- or maybe a child gets sick, or a spouse has his or her hours cut. In the past, if you found yourself in a situation like this, you could have sold your home and bought a smaller one with more affordable payments, or you could have refinanced your home at a lower rate. But today, home values have fallen so sharply that even if you make a large down payment, the current value of your mortgage may still be higher than the current value of your house. So no bank will return your calls, and no sale will return your investment. You can't afford to leave, you can't afford to stay. So you start cutting back on luxuries. Then you start cutting back on necessities. You spend down your savings to keep up with your payments. Then you open the retirement fund. Then you use the credit cards. And when you've gone through everything you have, and done everything you can, you have no choice but to default on your loan. And so your home joins the nearly 6 million others in foreclosure or at risk of foreclosure across the country, including roughly 150,000 right here in Arizona. But the foreclosures which are uprooting families and upending lives across America are only part of the housing crisis. For while there are millions of families who face foreclosure, there are millions more who are in no danger of losing their homes, but who have still seen their dreams endangered. They're the families who see the "For Sale" signs lining the streets; who see neighbors leave, and homes standing vacant, and lawns slowly turning brown. They see their own homes -- their single largest asset -- plummeting in value. One study in Chicago found that a foreclosed home reduces the price of nearby homes by as much as 9 percent. Home prices in cities across the country have fallen by more than 25 percent since 2006. And in Phoenix, they've fallen by 43 percent. Even if your neighborhood hasn't been hit by foreclosures, you're likely feeling the effects of this crisis in other ways. Companies in your community that depend on the housing market -- construction companies and home furnishing stores and painters and landscapers -- they're all cutting back and laying people off. The number of residential construction jobs has fallen by more than a quarter million since mid-2006. As businesses lose revenue and people lose income, the tax base shrinks, which means less money for schools and police and fire departments. And on top of this, the costs to local government associated with a single foreclosure can be as high as ,000. So the effects of this crisis have also reverberated across the financial markets. When the housing market collapsed, so did the availability of credit on which our economy depends. And as that credit has dried up, it's been harder for families to find affordable loans to purchase a car or pay tuition, and harder for businesses to secure the capital they need to expand and create jobs. In the end, all of us are paying a price for this home mortgage crisis. And all of us will pay an even steeper price if we allow this crisis to continue to deepen -- a crisis which is unraveling home ownership, the middle class, and the American Dream itself. But if we act boldly and swiftly to arrest this downward spiral, then every American will benefit. And that's what I want to talk about today. The plan I'm announcing focuses on rescuing families who've played by the rules and acted responsibly, by refinancing loans for millions of families in traditional mortgages who are underwater or close to it, by modifying loans for families stuck in sub-prime mortgages they can't afford as a result of skyrocketing interest rates or personal misfortune, and by taking broader steps to keep mortgage rates low so that families can secure loans with affordable monthly payments. At the same time, this plan must be viewed in a larger context. A lost home often begins with a lost job. Many businesses have laid off workers for a lack of revenue and available capital. Credit has become scarce as markets have been overwhelmed by the collapse of security backed -- securities backed by failing mortgages. In the end, the home mortgage crisis, the financial crisis, and this broader economic crisis are all interconnected, and we can't successfully address any one of them without addressing them all. So yesterday, in Denver, I signed into law the American Recovery and Reinvestment Act, which will create or save -- (applause.) The act will create or save 3.5 million jobs over the next two years -- including 70,000 right here in Arizona, right here -- (applause) -- doing the work America needs done. And we're also going to work to stabilize, repair and reform our financial system to get credit flowing again to families and businesses. And we will pursue the housing plan I'm outlining today. And through this plan, we will help between 7 and 9 million families restructure or refinance their mortgages so they can afford -- avoid foreclosure. And we're not just helping homeowners at risk of falling over the edge; we're preventing their neighbors from being pulled over that edge, too -- as defaults and foreclosures contribute to sinking home values, and failing local businesses, and lost jobs. But I want to be very clear about what this plan will not do: It will not rescue the unscrupulous or irresponsible by throwing good taxpayer money after bad loans. It will not help speculators -- (applause) -- it will not help speculators who took risky bets on a rising market and bought homes not to live in but to sell. (Applause.) It will not help dishonest lenders who acted irresponsibly, distorting the facts -- (applause) -- distorting the facts and dismissing the fine print at the expense of buyers who didn't know better. And it will not reward folks who bought homes they knew from the beginning they would never be able to afford. (Applause.) So I just want to make this clear: This plan will not save every home. 02/62665Download Video: mp4 (187MB) | mp3 (6MB)

REMARKS BY THE PRESIDENT AT TOWN HALLTHE PRESIDENT: Hello, North Carolina! (Applause.) Thank you so much. All right, please, everybody have a seat. I am so excited to be back in Raleigh, to be back in North Carolina. (Applause.) This is a community and a state that has been so good to me. (Applause.) And I know that part of the reason is because I travel with one of your home boys, Reggie Love. (Applause.) But I hope it's more than that.A couple of people I want to acknowledge very quickly. First of all, I just want to thank Sara Coleman for the wonderful introduction. Give her a great round of applause. (Applause.) She brought me a Cupcake Factory teeshirt -- (laughter) -- but no cupcakes. (Laughter.) I mean, I know I've been talking about health care a lot, but I think cupcakes are good for your health. (Laughter.) So, next time.I also want to acknowledge the Broughton High School Jazz Ensemble. (Applause.) I want to thank Gardner Taylor for the invocation -- (applause) -- Tom Gill for the Pledge of Allegiance -- (applause) -- Chelsea Cole for the National Anthem -- (applause) -- Del Burns, our Wake County Public Schools Superintendent. (Applause.)I want to thank Stephen Mares, the Broughton High School principal. (Applause.) I want to thank your own Governor, Bev Perdue, who is here. (Applause.) Unfortunately, Senator Kay Hagan, Senator Richard Burr, and Congressman Brad Miller can't be here because they're all working hard in Washington. Give them a big round of applause. (Applause.)We also have the Raleigh Mayor, Charles Meeker, is here. Where's Charles? There he is, right here. (Applause.) We've got the Speaker of the House right here. Give them a big round of applause. (Applause.) I hear that the former governor, Jim Hunt, is in the hall -- right? (Applause.)There are a lot of elected officials, I'm starting to get into trouble. (Laughter.) So I'm going to stop there and just say thank you to all of them for their outstanding service.It is not only great to be back in Raleigh, it is also nice to get out of Washington. (Laughter.) With all the noise and the fussing and the fighting that goes on, it's pretty easy for the voices of everyday people to get lost, and for folks to forget why they're there.So when I took office in January, I asked to receive 10 letters -- to see 10 letters from people across the country every day. They're just selected by the mail room. We get about 40,000 letters a day; they send me about 10 a day, and I through them. And some of them are heartbreaking, people talking about the tough times they're going through; some of them are inspiring. Most of the letters these days are about one thing, and that's the economy. So this is a town hall meeting, but before I take your questions, I want to spend a few minutes just talking about where we are and where we need to go on the economy.I don't know whether you've seen the latest cover of Newsweek magazine on the rack at the grocery store, but the cover says, "The Recession is Over." Now, I imagine that you might have found the news a little startling. (Laughter.) I know I did. Here is what's true. We have stopped the freefall. The market is up and the financial system is no longer on the verge of collapse. (Applause.) That's true. We're losing jobs at half the rate we were when I took office six months ago. (Applause.) We just saw home prices rise for the first time in three years, so there's no doubt that things have gotten better. (Applause.)We may be seeing the beginning of the end of the recession. But that's little comfort if you're one of the folks who have lost their job and haven't found another. Unemployment in North Carolina is over 10 percent today. A lot of small businesses like Sara's are still struggling with falling revenue and rising costs. Health care premiums, for example, are rising twice as fast as wages, and much more for small businesses -- something that I'll talk about a little bit later. So we know the tough times aren't over. But we also know that without the steps we have aly taken, our troubled economy -- and the pain it's inflicting on North Carolina families -- would be much worse.So let's look at the facts. When my administration came into office, we were facing the worst economy of our lifetimes. We were losing an average of 700,000 jobs per month. It was nearly impossible to take out a home loan or an auto loans or a student loan and loans for small business to buy inventory and make payroll. And economists across the ideological spectrum -- conservatives and liberals -- were fearing the second coming of a Great Depression.At the time, there were some who thought doing nothing was somehow an option. I disagreed. We knew that some action was required. We knew that ending our immediate economic crisis would require ending the housing crisis where it began, or at least slowing down the pace of foreclosures. That's why we took unprecedented action to stem the sp of foreclosures by helping responsible homeowners stay in their homes and pay their mortgages. We didn't stop every foreclosure; wouldn't help every single homeowner who had gotten overextended. But folks who could make their payments with a little bit of help, we were able to keep them in their homes.Ending this immediate crisis also required taking steps to avert the collapse of our financial system, which, as Federal Chairman Bernanke said the other day, was a real possibility. Now, let me just say this about banks. I know it didn't seem fair to many Americans to use tax dollars to stabilize banks that took reckless risks and helped to cause this problem in the first place. It didn't seem fair to me, either. And even though the bank bailout began under the previous administration, and I wasn't always happy with the lack of accountability when it was first begun, I do believe that it was actually necessary to step in, because by unlocking frozen credit markets and opening up loans for families and businesses, we helped stop a recession from becoming a depression. And by the way, taxpayers are aly being paid back by the banks -- with interest.We also took steps to help a struggling auto industry emerge from a crisis largely of its own making. Again, some folks thought, why are we doing that? There was a strong argument to let General Motors and Chrysler go under, and I know many of you probably share that view. And if we had been in ordinary times - not teetering on the brink of depression -- we might have exercised other options, because if you make a series of bad decisions that undermine your company's viability, the folks back here, they probably wouldn't get bailed out, your company wouldn't be in business. And many folks didn't see why these companies should be treated any differently. But in the midst of a recession, their collapse would have wreaked even worse havoc across our economy. So I said if GM and Chrysler were willing to do what was necessary to make themselves competitive, and if taxpayers were repaid every dime they put on the line, it was a process worth supporting. We saved hundreds of thousands of jobs as a result. And we expect to get our money back. Now, even as we worked to address the crisis in our banking sector, in our housing market, in our auto industry -- and by the way, there was a flu that came by during that process -- (laughter) -- we also began attacking our economic crisis on a broader front. Less than one month after taking office we enacted the most sweeping economic recovery package in history. And by the way, we did so -- (applause) -- we did so without any earmarks or wasteful pork barrel projects, pet projects, that we've become accustomed to. Not one was in there. (Applause.) Now, there's a lot of misinformation about the Recovery Act or the stimulus, whatever you want to call it. So let me just lay out the facts, because I think some folks are confused. As I was driving in, everybody was -- there were some folks cheering and then were some folks with signs. (Laughter.) So I hope they're paying attention, because I want to make sure everybody understands exactly what the Recovery Act was all about.To date, roughly a quarter of the Recovery Act's funding has been committed; over 30,000 projects have been approved; thousands have been posted online, as part of an effort to uphold the highest standards of transparency and accountability when it comes to our economic Recovery Act.Now, the Recovery Act is divided into three parts. And I know a lot of people think, oh, this is just blown-up government and wasting money. Let me describe exactly where this money went, just so if your friends or neighbors talk to you, you can give them the right information. One-third of the entire Recovery Act is for tax relief for you, for families and small businesses -- one-third of it. (Applause.) Ninety-five percent of you got a tax cut. You may not notice it -- (laughter) -- because it's appearing in your paycheck on a weekly -- every time you get a paycheck, as opposed to you getting a lump sum. Because it turned out that by sping it out, it had more of a potential to stimulate the economy. That's what the economists advised us to do. But a third of it is going to tax breaks, to individuals and small businesses. That's money in your pocket to buy cupcakes and other necessities of life. (Laughter.)So for Americans struggling to pay rising bills with shrinking wages, we have kept a campaign promise to put a middle class tax cut in the pockets of 95 percent of working families -- that began showing up in your paycheck about three months ago. (Applause.) We also cut taxes for small businesses on the investments that they make.So just remember this, one-third of it -- if you think about the recovery, it was a little under 0 billion -- a third of it went to tax cuts. And all those folks who are complaining about growing government and all that stuff -- we are actually cutting your taxes; giving your money back so you can spend it. That's a third.Another third of the money in the Recovery Act is for emergency relief that is helping folks who've borne the brunt of this recession. For Americans who were laid off, we expanded unemployment benefits -- a measure that's aly made a difference for 12 million Americans. (Applause.) So we extended unemployment insurance; that's made a difference in 12 million Americans, including 300,000 folks here in North Carolina who would have been cut off from unemployment insurance if we hadn't extended it. (Applause.) We're making health insurance 65 percent cheaper for families who were relying on COBRA while looking for work. (Applause.) So let me just see a show of hands. How many people know what COBRA is? All right. So you know that if you lose your job, you're allowed to keep your health insurance by paying premiums through COBRA. Here's the problem: If you've lost your job and your premium is ,000 right at a time when you've got no job, it's hard to come up with that money, right? So what we did in the recovery package was to say, we're going to give -- 65 percent of those costs we will pick up so that you can keep your health insurance while you're looking for a job. (Applause.)And for states who were facing historic budget shortfalls -- I was just talking to the Governor and the Speaker. We provided assistance that has saved the jobs of tens of thousands of teachers and police officers and firefighters. (Applause.) So that's the second third. I just want to remind everybody: first third, tax cuts; second third was providing emergency relief to families who had lost their jobs, for their insurance, and to support them with unemployment insurance, and states that otherwise would have billions of dollars in shortfalls. Now, that's two-thirds of the money of the Recovery Act. And if we hadn't put that in place, imagine the situation that people would be going through right now. It would be a lot worse, and the states would be going through a lot tougher times, having to make cuts that they don't want to make. 07/79560Iowa Caucus Night 爱荷华州之夜 (2008年1月3日,爱荷华州首府得梅因市)IOWA CAUCUS NIGHTJanuary 3, 2008 | Des Moines, IowaThank you, Iowa.You know, they said this day would never come.They said our sights were set too high. They said this country was too divided; too disillusioned to ever come together around a common purpose.But on this January night—at this defining moment in history—you have done what the cynics said we couldn’t do. You have done what the state of New Hampshire can do in five days. You have done what America can do in this new year, 2008. In lines that stretched around schools and churches; in small towns and big cities; you came together as Democrats, Republicans, and independents to stand up and say that we are one nation; we are one people; and our time for change has come.You said the time has come to move beyond the bitterness and pettiness and anger that’s consumed Washington; to end the political strategy that’s been all about division and instead make it about addition—to build a coalition for change that stretches through Red states and Blue states . Because that’s how we’ll win in November, and that’s how we’ll finally meet the challenges that we face as a nation. We are choosing hope over fear . We’re choosing unity over division and sending a powerful message that change is coming to America.You said the time has come to tell the lobbyists who think their money and their influence speak louder than our voices that they don’t own this government, we do; and we are here to take it back.The time has come for a President who will be honest about the choices and the challenges we face; who will listen to you and learn from you even when we disagree; who won’t just tell you what you want to hear, but what you need to know. And in New Hampshire, if you give me the same chance that Iowa did tonight, I will be that President for America.Thank you.I’ll be a President who finally makes health care affordable and available to every single American the same way I expanded health care in Illinois—by—by bringing Democrats and Republicans together to get the job done.I’ll be a President who ends the tax breaks for companies that ship our jobs overseas and put a middle-class tax cut into the pockets of the working Americans who deserve it.I’ll be a President who harnesses the ingenuity of farmers and scientists and entrepreneurs to free this nation from the tyranny of oil once and for all .And I’ll be a President who ends this war in Iraq and finally brings our troops home; who restores our moral standing; who understands that 9/11 is not a way to scare up votes, but a challenge that should unite America and the world against the common threats of the twenty-first century; common threats of terrorism and nuclear weapons; climate change and poverty; genocide and disease.Tonight, we are one step closer to that vision of America because of what you did here in Iowa. And so I’d especially like to thank the organizers and the precinct captains; the volunteers and the staff who made this all possible.And while I’m at it, on thank-yous , I think it makes sense for me to thank the love of my life, the rock of the Obama family, the closer on the campaign trail —give it up for Michelle Obama .I know you didn’t do this for me. You did this . . . you did this because you believed so deeply in the most American of ideas—that in the face of impossible odds, people who love this country can change it.08/81858

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