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

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

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.

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

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.

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.