Technologies, including cell phones, have the potential to help millions of poor people out of poverty by enabling access to a range of safe, affordable financial services - most importantly, savings accounts - that have long been out of reach.

Legislation is about three fundamental things - affordability, access, and quality. That's what the American people want.

Job training empowers people to realize their dreams and improve their lives.

While natural disasters capture headlines and national attention short-term, the work of recovery and rebuilding is long-term.

So we want to make it easier to shop and understand products because many people aren't educated about what's offered - do you know your premiums? Do you know your copays? Do you know your deductibles? And so figuring out ways that we help people understand what this is, how it works, and that they can shop to get what they need.

We owe an enormous debt of gratitude to those who serve or have served in our countrys military, as well as to the families of those individuals. Whether protecting our freedoms in foreign fields or making contributions here at home, the value these men and women bring to the American workforce and our way of life is beyond measure.