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.

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.

Aging nations have arteries clogged with obsolete laws, slowing blood flow and preventing oxygen from reaching all parts of the body politic. Physicians call this arteriosclerosis; historians see decline of empire.

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.

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.

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

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