First, the year 2004, the year past, the Comptroller General of the United States, David A. Walker, said that arguably it was the worst year in American fiscal history, clearly setting our Nation on an unsustainable path.

This is a simple change that will provide a huge financial boost for many Americans, particularly low- to moderate-income families. It is an important step in making sure we do everything we can to encourage all Americans to save and plan for the future.

It took the first 204 years of our Nation's history to accumulate $1 trillion in debt. And now we are doing that every 2 or 3 years.

President Clinton was able to achieve budget surpluses despite a divided government.

Politicians are terrified of losing touch with folks back home but content to be clueless about governments failure to fix real problems.

It's not just that families can't buy a home or start a business without some savings tucked away.

Conservative think tanks like the Heritage Foundation and Cato Institute have criticized Bush for his big increases in spending, which far exceed those of the Clinton era.

Bush may be a strong leader in the war on terrorism, but on budget deficits he is missing-in-action.

If you need to put your money in a safe and secure place and you want it to earn interest, Treasury bonds are safer than putting it in any bank as a deposit or putting it anywhere else, because they are backed by the full faith and credit of the United States Government.

While tax refunds amount to substantial income for many Americans, current IRS rules do not allow taxpayers to directly deposit their refund into more than one account.

Equality under the law is the slow triumph of hope over history.

The President's budget pays for only six months of the war in Iraq and completely overlooks the transition costs of Social Security reform. The Administration always lied about the cost of the Medicare drug bill.

This Congress is simply not doing its job under Republican leadership.