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.

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.

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.

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

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.