You built a factory out there, good for you. But I want to be clear. You moved your goods to market on the roads that the rest of us paid for. You hired workers that the rest of us paid to educate. You were safe in your factory because of police forces and fire forces that the rest of us paid for.

You didn't have to worry that marauding bands would come and seize everything in your factory and hire someone to protect against this because of the work the rest of us did.

Big banks churn out page after page of incomprehensible fine print to obscure the cost and risks of checking accounts, credit cards, mortgages and other financial products. The result is that consumers can't make direct product comparisons, markets aren't competitive, and costs are higher. If the playing field is leveled and the broken market fixed, a lot more money will stay in the pockets of millions of hard-working families. That's real stimulus - money to families, without increasing our national debt.

There's a lot of research on the shift in who deals with money when families get in trouble. In good times, husbands handle the family's finances about 80 percent of the time. But when times turn sour and families start dealing with creditors and managing unpayable bills, women take more active roles.

When you have no real power, go public - really public. The public is where the real power is.

It is critical that the American people, and not just their financial institutions, be represented at the negotiating table.

Our number one responsibility is to protect Americans from terrorism, that’s our job, so being tough on terrorism is enormously important.