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" 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. "

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" 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. "

Jim Cooper

Big

Think

" We are spending more money on bond holders than we are on our own citizens. It took 204 years to have this happen. The other party will not even allow a recorded vote on this issue so that we can see how people stand on that issue. "

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

" If we don't change, millions of American families are just one medical emergency, or one layoff, away from financial disaster and bankruptcy. "

" I think the job of leadership is to expand what can be talked about and to get consensus on the nature of the problem, and that is most of the job. Because once you do that, once you have diagnosis, treatment options are obvious. "

" The U.S. government uses cash accounting. That is illegal for any enterprise of any size in America except for the U.S. government. Every for-profit business, every not-for-profit business, every state and local government has to use real accounting except for Uncle Sam. "

" Well, where is the money? Show me the money? Our allies have put up a few billion dollars, but the American taxpayer has been required to shoulder the burden of this war. "

Jim Cooper

American

Burden

" We are scheduled to meet this year fewer days than any Congress since at least 1948. And that is even before I was born. So far, we are in the 123rd day of this year, and yet we have only had 26 voting days in this body. That is a shame. "

" Members walk into the chamber full of hatred. They believe the worst lies about the other side. Two senators stopped by my office just a few hours ago. Why? They had a plot to nail somebody on the other side. That's what Congress has come to. "

" 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. "

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

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

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

" 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. "

" 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 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. "

" The real problem with big issues like Medicare is that both parties have to be brave at the same time. Every pollster will tell you not to do that to get partisan advantage. Too many people here are willing to deliberately harm the country for partisan gain. That is borderline treason. "

" Almost every economist agrees that the American health care system is unsustainable. Medical care is so expensive that it is busting all of our budgets - government, business, and personal. Eventually, the medical price bubble will pop. What, then, are the alternatives? "

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

" True partisans draft legislation that gives themselves everything and their enemies nothing. They love bills that repulse and even disgust the other side. Today's politics have become an all-or-nothing, black-or-white, zero-sum game - it's not a contact sport but a blood sport. "

" Under the AHP approach, the average small business might be able to offer their employees one or two insurance plans, and that employee of the small business would have no idea whether their doctor was going to be a apart of one of those plans. "

" With our national savings rate well below one-percent, it is imperative that the government embrace innovative and cost-effective means of boosting personal savings. "

" Take the veto. Bush is the first president since James Garfield in 1881 not to veto a single bill. Garfield only had six months in office; Bush has had over four years. "

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