To the extent that people overpay as a result of the Libor manipulation, they should be able to get their money back. Individuals who have mortgages, pension funds who had pensioner investments - whoever was ripped off is entitled to get their money back.

If you ask the question of Americans, should we pay our bills? One hundred percent would say yes. There's a significant misunderstanding on the debt ceiling. People think it's authorizing new spending. The debt ceiling doesn't authorize new spending; it allows us to pay obligations already incurred.

For an economic recovery program to be effective, it must not only create a short-term economic boost but also generate lasting value. Home Star would accomplish that by breaking down the key barrier between homeowners and money-saving retrofits: upfront costs.

The potential for Home Star to create jobs is proven and real. In Vermont, our statewide energy efficiency utility, Efficiency Vermont, created more than 430 jobs in 2007 and 2008, generating more than $40 million in income.

I represent a rural state and live in a small town. Small merchants make up the majority of Vermont's small businesses and thread our state together. It is the mom-and-pop grocers, farm-supply stores, coffee shops, bookstores and barber shops where Vermonters connect, conduct business and check in on one another.

Last year, Congress passed a law that directs the Federal Reserve to set limits on debit card swipe fees that are reasonable and proportional to the cost of processing those transactions. Like most Americans, I had no idea that swipe fees charged to American businesses are the highest in the world.

Homes and buildings, many of which are old and drafty, eat up 40 percent of the energy America uses. Such inefficiencies perpetuate our reliance on foreign oil, imperiling our national security and increasing our contribution to climate change.