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.

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.

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.

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.

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.