ISSUE

JOHN MCCAIN

BARACK OBAMA

The Economy

Immediate Help for American Families

Across America, families are facing economic challenges. Gas prices are rising, mortgages are threatened, and thousands have lost their jobs. Now is the time to act and John McCain has outlined several near-term, tangible plans to address some of the challenges confronting Americans today.

Helping Americans Confront Higher Living Costs:

John McCain Will Help Americans Hurting From High Gasoline And Food Costs. Americans need relief right now from high gas prices. John McCain will act immediately to reduce the pain of high gas prices.

John McCain Believes We Should Institute A Summer Gas Tax Holiday. Hard-working American families are suffering from higher gasoline prices. John McCain calls on Congress to suspend the 18.4 cent federal gas tax and 24.4 cent diesel tax from Memorial Day to Labor Day.

John McCain Will Stop Filling The Strategic Petroleum Reserve (SPR) To Reduce Demand. International demand for oil is bolstered by federal purchases for the SPR. There is no reason to fill it when oil is so expensive; the overall SPR is of adequate size, and when it places further upward pressure on prices.

John McCain Will End Policies That Contribute To Higher Transportation And Food Costs. Ethanol subsidies, tariff barriers and sugar quotas drive up food prices and hurt Americans. However, we cannot take the wrong direction and cut off trade for American goods.

Helping Americans With The Housing Crisis:

John McCain Is Proposing A New “HOME Plan” To Provide Robust, Timely And Targeted Help To Those Hurt By The Housing Crisis. Under his HOME Plan, every deserving American family or homeowner will be afforded the opportunity to trade a burdensome mortgage for a manageable loan that reflects their home’s market value.

Eligibility: Holders of a non-conventional mortgage taken after 2005 who live in their home (primary residence only); can prove creditworthiness at the time of the original loan; are either delinquent, in arrears on payments, facing a reset or otherwise demonstrate that they will be unable to continue to meet their mortgage obligations; and can meet the terms of a new 30-year fixed-rate mortgage on the existing home.

How It Works: An individual picks up a form at any Post Office and apply for a HOME loan. The FHA HOME Office certifies that the individual is qualified and contacts the individual’s mortgage servicer. The mortgage servicer writes down and retires the existing loan, which is replaced by an FHA guaranteed HOME loan from a lender.

John McCain Calls For The Immediate Formation Of A Justice Department Mortgage Abuse Task Force. The Task Force will aggressively investigate potential criminal wrongdoing in the mortgage industry and bring to justice any who violated the law. The DOJ Task Force will offer assistance to State Attorneys General who are investigating abusive lending practices.

Keeping The Credit Crunch From Hurting College Students:

John McCain Is Proposing A Student Loan Continuity Plan. Students face the possibility that the credit crunch will disrupt loans for the fall semester. John McCain calls on the federal government and the 50 governors to anticipate loan problems and expand the lender-of-last resort capabilities for each state’s guarantee agency.

Pro Growth, Pro-Jobs Tax Agenda

Cutting Taxes For The Middle Class:

John McCain Will Cut Taxes For Middle Class Families. John McCain will permanently repeal the Alternative Minimum Tax (AMT) – a tax that will be paid nearly exclusively by 25 million middle class families. Repealing this onerous tax will save middle class families nearly $60 billion in a single year. Under McCain’s plan, a middle class family with children set to pay the AMT will save an average of over $2,700 – a real tax cut for working families.

John McCain Will Double The Personal Exemption For Dependents. John McCain believes the tax code should be less of a burden on those, whether they are mothers and fathers or single parents, who are trying to raise a family. He proposes to raise the personal exemption for each dependent from $3,500 to $7,000.

Pro-Growth Tax Policy:

John McCain Will Keep Tax Rates Low. Entrepreneurs are at the heart of American innovation, growth and prosperity. They create the ultimate job security – a new, better opportunity if your current job goes away. Entrepreneurs should not be taxed into submission.

John McCain Will Maintain The Current Income And Investment Tax Rates And Fight The Democrats’ Plans For A Crippling Tax Increase In 2011. Left to their devices, Democrats will impose a massive $100 billion tax hike, almost $700 per taxpayer every year. John McCain has also long sought permanent and immediate reform of the estate tax, and supports raising the exemption from taxation on estates up to $10 million while cutting the tax rate to 15 percent.

John McCain Will Make It Harder To Raise Taxes. John McCain believes it should require a 3/5 majority vote in Congress to raise taxes.

John McCain Will Reward Saving, Investment And Risk-Taking. Low taxes on dividends and capital gains promote saving, channel investment dollars to innovative, high-value uses and not wasteful financial planning. John McCain will keep the current rates on dividends and capital gains and fight anti-growth efforts by Democrats.

John McCain Will Improve Business Investment Incentives. John McCain proposes to permit corporations to immediately deduct the cost of equipment investment, providing a valuable pro-growth investment incentive. Expensing of equipment and technology will provide an immediate boost to capital expenditures and reward investments in cutting-edge technologies.

Tax Cuts On American Employers:

John McCain Will Reduce The Federal Corporate Tax Rate To 25 Percent From 35 Percent. John McCain believes the taxes we impose on American companies should be no higher than the average rate our major trading partners impose on theirs. We currently have the second-highest combined corporate-tax rate in the industrialized world, and it is driving many businesses and the jobs they create overseas.

Pro-Innovation Tax Cuts:

John McCain Will Ban Internet Taxes. John McCain has been a leader in keeping the Internet free of taxes. As President, he will seek a permanent ban on taxes that threaten this engine of economic growth and prosperity.

John McCain Will Ban New Cell Phone Taxes. John McCain understands that the same people that would tax e-mail will tax every text message – and even 911 calls. John McCain will prohibit new cellular telephone taxes.

John McCain Will Establish Permanent Tax Credit Equal To 10 Percent Of Wages Spent On R&D. This reform will simplify the tax code, reward activity in the U.S., and make us more competitive with other countries. A permanent credit will provide an incentive to innovate and remove uncertainty. At a time when our companies need to be more competitive, we need to provide a permanent incentive to innovate, and remove the uncertainty now hanging over businesses as they make R&D investment decisions.

Retirement Tax Cut:

John McCain Will Act To Lower Medicare Premiums. Seniors face a growing threat from higher Medicare premiums that tax away their Social Security and retirement savings. John McCain has proposed comprehensive, pro-market health care and Medicare reforms to reduce health care costs and control increases in premiums – while delivering high-quality health care.

A Real Choice For Simpler Taxes:

John McCain Will Propose An Alternative New And Simpler Tax System – And Give America A Real Choice. When this reform is enacted, all who wish to stay under the current system could still do so, but everyone else could choose a vastly less complicated system with two tax rates and a generous standard deduction. Americans do not resent paying their rightful share of taxes – what they do resent is being subjected to thousands of pages of needless and often irrational rules and demands from the IRS.

Reforming Washington

Eliminating Wasteful Spending:

John McCain Will Stop Earmarks, Pork-Barrel Spending, And Waste. He will veto every pork-laden spending bill and make their authors famous. As President, he will seek the line-item veto to reduce waste and eliminate earmarks that have led to corruption. Unlike Senators Clinton and Obama who have sought a nearly combined $3 billion in earmarks, John McCain has a clear record of not asking for earmarks. Earmarks restrict America’s ability to address genuine national priorities and interfere with fair, competitive markets.

John McCain Proposes A One-Year Spending Pause To Evaluate Programs. He believes that outside of essential military and veterans programs there should be a one-year pause in discretionary spending growth that should be used for a top-to-bottom review of the effectiveness of federal programs.

John McCain Has The Leadership And Courage To Make The Right Spending Choices. Reduced spending means making choices. John McCain will not leave office without balancing the federal budget. He will not do it with smoke and mirrors. When he leaves office, he wants to leave a budget that stays balanced after he is gone, and can weather the occasional downturn and unexpected contingency. John McCain will provide the courageous leadership necessary to control spending, including:

Eliminate Broken Government Programs. The federal government itself admits that one in five programs do not perform.
Reform Our Civil Service System To Promote Accountability And Good Performance In Our Federal Workforce.
Eliminating Earmarks, Wasteful Subsidies And Pork-Barrel Spending.
Reform Procurement Programs And Cut Wasteful Spending In Defense And Non-Defense Programs.

Budgetary Reform To Give Tax Cuts A Fair Chance:

John McCain Will Reform Budgeting To Treat Equally Spending And Taxes And To Stop Damaging Tax Hikes. Congress has unfairly stacked the deck to spend more and raise taxes. If a spending program is on the books, budgets assume that it is on the books forever – and continues to grow – even if the law says it expires. If low taxes are on the books, budgets don’t assume that they last forever. When they expire, those taxes are automatically raised.

Reforming Entitlement Programs For The 21st Century:

John McCain Will Reform Social Security. He will fight to save the future of Social Security while meeting our obligations to the retirees of today and the future without raising taxes. John McCain supports supplementing the current Social Security system with personal accounts – but not as a substitute for addressing benefit promises that cannot be kept. He will reach across the aisle, but if the Democrats do not act, he will. John McCain will not leave office without fixing the problems that threatens our future prosperity.

John McCain Will Act To Control Medicare Growth. The growth of spending on Medicare threatens our fiscal future. John McCain has proposed comprehensive health care reforms that will reduce the growth in Medicare spending, protect seniors against rising Medicare premium payments, and preserve the advancements in medical science central to providing quality care.

John McCain Believes That We Should Not Subsidize The Prescription Drugs Of America’s Most Affluent Individuals. He will propose reforms to reduce the large subsidies in the Medicare drug program.

Promoting Trade and Competitiveness

John McCain Will Lower Barriers To Trade. Ninety-five percent of the world’s customers lie outside our borders and we need to be at the table when the rules for access to those markets are written. To do so, the U.S. should engage in multilateral, regional and bilateral efforts to reduce barriers to trade, level the global playing field and build effective enforcement of global trading rules. These steps would also strengthen the U.S. dollar and help to control the rising cost of living that hurts our families.

John McCain Will Act To Make American Workers More Competitive. We must prepare the next generation of workers by making American education worthy of the promise we make to our children and ourselves. We must be a nation committed to competitiveness and opportunity. We must fight for the ability of all students to have access to any school of demonstrated excellence. We must place parents and children at the center of the education process, empowering parents by greatly expanding the ability of parents to choose among schools for their children.

Bolstering Job Security and Assisting Displaced Workers

Reforming The Unemployment Insurance (UI) System:

John McCain Believes We Should Have A Single, Seamless Approach To Job Transition Assistance. The UI system must be more effective in helping those who have lost a job. John McCain will modernize and transform our current programs by consolidating redundant federal programs, strengthening community colleges and technical training and giving displaced workers more choices to find their way back to productive and prosperous lives.

John McCain Will Reform The UI System So That A Portion Of Each Worker’s Unemployment Insurance Tax Is Deposited Into A Lost Earnings Buffer Account (LEB). If an individual becomes unemployed, the LEB may be used to cover needed expenses, with a backstop of traditional UI if the account is exhausted before 26 weeks. Workers will have an incentive to preserve their LEB by getting back to work quickly, and may be eligible for a re-employment bonus if they get a new job quickly. The LEB will be portable, and upon retirement, the property of the worker.

John McCain Will Reform Training Programs To Provide Quick Assistance To Workers Seeking New Skills. Workers will have access to a flexible training account that permits them to pay for training at a community college and use leftover funds to keep their health insurance.

John McCain Will Provide Special, Targeted Assistance For Older Workers. Because training is often inefficient for older workers, those 55 years of age and older who have built up an LEB will be eligible for a Lost Earnings Supplement. The supplement of up to 50 percent of their earnings loss (up to a maximum of $10,000) for two years will be rewarded for those who find work inside 26 weeks.

• Provide Additional Tax Rebates to American Workers: The economy has continued to weaken significantly, despite congressional action to provide immediate tax rebates to American consumers. Stimulus: $20 billion.
• Establish a $10 billion Foreclosure Prevention Fund: Given the downturn in the economy, Obama is calling for immediate creation of his Foreclosure Prevention Fund that will dramatically increase emergency pre-foreclosure counseling, and will help families facing foreclosure to responsibly refinance their mortgages or sell their homes. Obama’s plan will not help speculators, people buying vacation homes or people that falsely represented their incomes. It is meant to help responsible homeowners through this difficult period. Stimulus: $10 billion.
• Provide $10 billion in Relief for State and Local Governments Hardest-Hit by the Housing Crisis to Prevent Cuts in Vital Services: Because of the housing crisis and the weakening economy, many state and local governments are facing significant revenue shortfalls. Barack Obama believes that in the areas hardest-hit by the housing crisis we should provide immediate, temporary funding to state and local governments so that the decline in property values does not cause them to slash critical public services and cut vital infrastructure spending. Stimulus: $10 billion.
• Extend and Expand Unemployment Insurance: Barack Obama believes we must extend and strengthen the Unemployment Insurance (UI) program to address the needs of the long-term unemployed, who currently make up nearly one-fifth of the unemployed and are often older workers who have lost their jobs in manufacturing or other industries and have a difficult time finding new employment. Expanding UI is one of the most effective ways to combat economic turmoil; every dollar invested in UI benefits results in $1.73 in economic output. Obama is calling for a temporary expansion of the UI program for those who have exhausted their current eligibility. Stimulus: $10 billion.

Provide Middle Class Americans Tax Relief

Obama will cut income taxes by $1,000 for working families to offset the payroll tax they pay.

• Provide a Tax Cut for Working Families: Obama will restore fairness to the tax code and provide 150 million workers the tax relief they need. Obama will create a new “Making Work Pay” tax credit of up to $500 per person, or $1,000 per working family. The “Making Work Pay” tax credit will completely eliminate income taxes for 10 million Americans.
• Eliminate Income Taxes for Seniors Making Less than $50,000: Barack Obama will eliminate all income taxation of seniors making less than $50,000 per year. This proposal will eliminate income taxes for 7 million seniors and provide these seniors with an average savings of $1,400 each year. Under the Obama plan, 27 million American seniors will also not need to file an income tax return.
• Simplify Tax Filings for Middle Class Americans: Obama will dramatically simplify tax filings so that millions of Americans will be able to do their taxes in less than five minutes. Obama will ensure that the IRS uses the information it already gets from banks and employers to give taxpayers the option of pre-filled tax forms to verify, sign and return. Experts estimate that the Obama proposal will save Americans up to 200 million total hours of work and aggravation and up to $2 billion in tax preparer fees.

Trade

Obama believes that trade with foreign nations should strengthen the American economy and create more American jobs. He will stand firm against agreements that undermine our economic security.

• Fight for Fair Trade: Obama will fight for a trade policy that opens up foreign markets to support good American jobs. He will use trade agreements to spread good labor and environmental standards around the world and stand firm against agreements like the Central American Free Trade Agreement that fail to live up to those important benchmarks. Obama will also pressure the World Trade Organization to enforce trade agreements and stop countries from continuing unfair government subsidies to foreign exporters and nontariff barriers on U.S. exports.
• Amend the North American Free Trade Agreement: Obama believes that NAFTA and its potential were oversold to the American people. Obama will work with the leaders of Canada and Mexico to fix NAFTA so that it works for American workers.
• Improve Transition Assistance: To help all workers adapt to a rapidly changing economy, Obama would update the existing system of Trade Adjustment Assistance by extending it to service industries, creating flexible education accounts to help workers retrain, and providing retraining assistance for workers in sectors of the economy vulnerable to dislocation before they lose their jobs.

Invest in the Manufacturing Sector and Create 5 Million New Green Jobs

• Invest in our Next Generation Innovators and Job Creators: Obama will create an Advanced Manufacturing Fund to identify and invest in the most compelling advanced manufacturing strategies. The Fund will have a peer-review selection and award process based on the Michigan 21st Century Jobs Fund, a state-level initiative that has awarded over $125 million to Michigan businesses with the most innovative proposals to create new products and new jobs in the state.
• Double Funding for the Manufacturing Extension Partnership: The Manufacturing Extension Partnership (MEP) works with manufacturers across the country to improve efficiency, implement new technology and strengthen company growth. This highly-successful program has engaged in more than 350,000 projects across the country and in 2006 alone, helped create and protect over 50,000 jobs. But despite this success, funding for MEP has been slashed by the Bush administration. Barack Obama will double funding for the MEP so its training centers can continue to bolster the competitiveness of U.S. manufacturers.
• Invest In A Clean Energy Economy And Create 5 Million New Green Jobs: Obama will invest $150 billion over 10 years to advance the next generation of biofuels and fuel infrastructure, accelerate the commercialization of plug-in hybrids, promote development of commercial scale renewable energy, invest in low emissions coal plants, and begin transition to a new digital electricity grid. The plan will also invest in America’s highly-skilled manufacturing workforce and manufacturing centers to ensure that American workers have the skills and tools they need to pioneer the first wave of green technologies that will be in high demand throughout the world.
• Create New Job Training Programs for Clean Technologies: The Obama plan will increase funding for federal workforce training programs and direct these programs to incorporate green technologies training, such as advanced manufacturing and weatherization training, into their efforts to help Americans find and retain stable, high-paying jobs. Obama will also create an energy-focused youth jobs program to invest in disconnected and disadvantaged youth.
• Boost the Renewable Energy Sector and Create New Jobs: The Obama plan will create new federal policies, and expand existing ones, that have been proven to create new American jobs. Obama will create a federal Renewable Portfolio Standard (RPS) that will require 25 percent of American electricity be derived from renewable sources by 2025, which has the potential to create hundreds of thousands of new jobs on its own. Obama will also extend the Production Tax Credit, a credit used successfully by American farmers and investors to increase renewable energy production and create new local jobs.

New Jobs Through National Infrastructure Investment

Barack Obama believes that it is critically important for the United States to rebuild its national transportation infrastructure – its highways, bridges, roads, ports, air, and train systems – to strengthen user safety, bolster our long-term competitiveness and ensure our economy continues to grow.

• Create a National Infrastructure Reinvestment Bank: Barack Obama will address the infrastructure challenge by creating a National Infrastructure Reinvestment Bank to expand and enhance, not supplant, existing federal transportation investments. This independent entity will be directed to invest in our nation’s most challenging transportation infrastructure needs. The Bank will receive an infusion of federal money, $60 billion over 10 years, to provide financing to transportation infrastructure projects across the nation. These projects will create up to two million new direct and indirect jobs per year and stimulate approximately $35 billion per year in new economic activity.

Technology, Innovation and Creating Jobs

Barack Obama will increase federal support for research, technology and innovation for companies and universities so that American families can lead the world in creating new advanced jobs and products.

• Invest in the Sciences: Barack Obama supports doubling federal funding for basic research and changing the posture of our federal government from being one of the most anti-science administrations in American history to one that embraces science and technology. This will foster home-grown innovation, help ensure the competitiveness of US technology-based businesses, and ensure that 21st century jobs can and will grow in America.
• Make the Research and Development Tax Credit Permanent: Barack Obama wants investments in a skilled research and development workforce and technology infrastructure to be supported here in America so that American workers and communities will benefit. Obama wants to make the Research and Development tax credit permanent so that firms can rely on it when making decisions to invest in domestic R&D over multi-year timeframes.
• Deploy Next-Generation Broadband: Barack Obama believes we can get broadband to every community in America through a combination of reform of the Universal Service Fund, better use of the nation’s wireless spectrum, promotion of next-generation facilities, technologies and applications, and new tax and loan incentives.

Support Small Business

• Provide Tax Relief for Small Businesses and Start Up Companies: Barack Obama will eliminate all capital gains taxes on start-up and small businesses to encourage innovation and job creation. Obama will also support small business owners by providing a $500 “Making Work Pay” tax credit to almost every worker in America. Self-employed small business owners pay both the employee and the employer side of the payroll tax, and this measure will reduce the burdens of this double taxation.
• Create a National Network of Public-Private Business Incubators: Barack Obama will support entrepreneurship and spur job growth by creating a national network of public-private business incubators. Business incubators facilitate the critical work of entrepreneurs in creating start-up companies. Obama will invest $250 million per year to increase the number and size of incubators in disadvantaged communities throughout the country.

Labor

Obama will strengthen the ability of workers to organize unions. He will fight for passage of the Employee Free Choice Act. Obama will ensure that his labor appointees support workers’ rights and will work to ban the permanent replacement of striking workers. Obama will also increase the minimum wage and index it to inflation to ensure it rises every year.

• Ensure Freedom to Unionize: Obama believes that workers should have the freedom to choose whether to join a union without harassment or intimidation from their employers. Obama cosponsored and is strong advocate for the Employee Free Choice Act, a bipartisan effort to assure that workers can exercise their right to organize. He will continue to fight for EFCA’s passage and sign it into law.
• Fight Attacks on Workers’ Right to Organize: Obama has fought the Bush National Labor Relations Board (NLRB) efforts to strip workers of their right to organize. He is a cosponsor of legislation to overturn the NLRB’s “Kentucky River” decisions classifying hundreds of thousands of nurses, construction, and professional workers as “supervisors” who are not protected by federal labor laws.
• Protect Striking Workers: Obama supports the right of workers to bargain collectively and strike if necessary. He will work to ban the permanent replacement of striking workers, so workers can stand up for themselves without worrying about losing their livelihoods.
• Raise the Minimum Wage: Barack Obama will raise the minimum wage, index it to inflation and increase the Earned Income Tax Credit to make sure that full-time workers earn a living wage that allows them to raise their families and pay for basic needs.

Protect Homeownership and Crack Down on Mortgage Fraud

Obama will crack down on fraudulent brokers and lenders. He will also make sure homebuyers have honest and complete information about their mortgage options, and he will give a tax credit to all middle-class homeowners.

• Create a New FHA Housing Security Program: Barack Obama strongly supports the efforts of Senate Banking Committee Chair Chris Dodd (D–CT) to create a new Federal Housing Administration (FHA) program that will provide meaningful incentives for lenders to buy or refinance existing mortgages and convert them into stable 30-year fixed mortgages. This plan provides an important federal backstop – not a bailout – to this growing national problem. Neither lenders nor homeowners would receive a windfall from this plan.
• Create a Universal Mortgage Credit: Obama will create a 10 percent universal mortgage credit to provide homeowners who do not itemize tax relief. This credit will provide an average of $500 to 10 million homeowners, the majority of whom earn less than $50,000 per year.
• Ensure More Accountability in the Subprime Mortgage Industry: Obama has been closely monitoring the subprime mortgage situation for years, and introduced comprehensive legislation over a year ago to fight mortgage fraud and protect consumers against abusive lending practices. Obama’s STOP FRAUD Act provides the first federal definition of mortgage fraud, increases funding for federal and state law enforcement programs, creates new criminal penalties for mortgage professionals found guilty of fraud, and requires industry insiders to report suspicious activity.
• Mandate Accurate Loan Disclosure: Obama will create a Homeowner Obligation Made Explicit (HOME) score, which will provide potential borrowers with a simplified, standardized borrower metric (similar to APR) for home mortgages. The HOME score will allow individuals to easily compare various mortgage products and understand the full cost of the loan.
• Create Fund to Help Homeowners Avoid Foreclosures: Obama will create a fund to help people refinance their mortgages and provide comprehensive supports to innocent homeowners. The fund will be partially paid for by Obama’s increased penalties on lenders who act irresponsibly and commit fraud.
• Close Bankruptcy Loophole for Mortgage Companies: Obama will work to eliminate the provision that prevents bankruptcy courts from modifying an individual’s mortgage payments. Obama believes that the subprime mortgage industry, which has engaged in dangerous and sometimes unscrupulous business practices, should not be shielded by outdated federal law.

Address Predatory Credit Card Practices

Obama will establish a five-star rating system so that every consumer knows the risk involved in every credit card. He also will establish a Credit Card Bill of Rights to stop credit card companies from exploiting consumers with unfair practices.

• Create a Credit Card Rating System to Improve Disclosure: Obama will create a credit card rating system, modeled on five-star systems used for other consumer products, to provide consumers an easily identifiable ranking of credit cards, based on the card’s features. Credit card companies will be required to display the rating on all application and contract materials, enabling consumers to quickly understand all of the major provisions of a credit card without having to rely exclusively on fine print in lengthy documents.
• Establish a Credit Card Bill of Rights to Protect Consumers: Obama will create a Credit Card Bill of Rights to protect consumers. The Obama plan will:
  • Ban Unilateral Changes
  • Apply Interest Rate Increases Only to Future Debt
  • Prohibit Interest on Fees
  • Prohibit “Universal Defaults”
  • Require Prompt and Fair Crediting of Cardholder Payments

Reform Bankruptcy Laws

Obama will reform our bankruptcy laws to protect working people, ban executive bonuses for bankrupt companies, and require disclosure of all pension investments.

• Cap Outlandish Interest Rates on Payday Loans and Improve Disclosure: Obama supports extending a 36 percent interest cap to all Americans. Obama will require lenders to provide clear and simplified information about loan fees, payments and penalties, which is why he’ll require lenders to provide this information during the application process.
• Encourage Responsible Lending Institutions to Make Small Consumer Loans: Obama will encourage banks, credit unions and Community Development Financial Institutions to provide affordable short-term and small-dollar loans and to drive unscrupulous lenders out of business.
• Reform Bankruptcy Laws to Protect Families Facing a Medical Crisis: Obama will create an exemption in bankruptcy law for individuals who can prove they filed for bankruptcy because of medical expenses. This exemption will create a process that forgives the debt and lets the individuals get back on their feet.

Work/Family Balance

Obama will double funding for after-school programs, expand the Family Medical Leave Act, provide low-income families with a refundable tax credit to help with their child-care expenses, and encourage flexible work schedules.

• Expand the Family and Medical Leave Act: The FMLA covers only certain employees of employers with 50 or more employees. Obama will expand it to cover businesses with 25 or more employees. He will expand the FMLA to cover more purposes as well, including allowing workers to take leave for elder care needs; allowing parents up to 24 hours of leave each year to participate in their children’s academic activities; and expanding FMLA to cover leave for employees to address domestic violence.
• Encourage States to Adopt Paid Leave: As president, Obama will initiate a strategy to encourage all 50 states to adopt paid-leave systems. Obama will provide a $1.5 billion fund to assist states with start-up costs and to help states offset the costs for employees and employers.
• Expand High-Quality Afterschool Opportunities: Obama will double funding for the main federal support for afterschool programs, the 21st Century Learning Centers program, to serve a million more children. Obama will include measures to maximize performance and effectiveness across grantees nationwide.
• Expand the Child and Dependent Care Tax Credit: The Child and Dependent Care Tax Credit provides too little relief to families that struggle to afford child care expenses. Obama will reform the Child and Dependent Care Tax Credit by making it refundable and allowing low-income families to receive up to a 50 percent credit for their child care expenses.
• Protect Against Caregiver Discrimination: Workers with family obligations often are discriminated against in the workplace. Obama will enforce the recently-enacted Equal Employment Opportunity Commission guidelines on caregiver discrimination.
• Expand Flexible Work Arrangements: Obama will create a program to inform businesses about the benefits of flexible work schedules; help businesses create flexible work opportunities; and increase federal incentives for telecommuting. Obama will also make the federal government a model employer in terms of adopting flexible work schedules and permitting employees to request flexible arrangements

Energy

Expanding Domestic Oil And Natural Gas Exploration And Production

John McCain Will Commit Our Country To Expanding Domestic Oil Exploration. The current federal moratorium on drilling in the Outer Continental Shelf stands in the way of energy exploration and production. John McCain believes it is time for the federal government to lift these restrictions and to put our own reserves to use. There is no easier or more direct way to prove to the world that we will no longer be subject to the whims of others than to expand our production capabilities. We have trillions of dollars worth of oil and gas reserves in the U.S. at a time we are exporting hundreds of billions of dollars a year overseas to buy energy. This is the largest transfer of wealth in the history of mankind. We should keep more of our dollars here in the U.S., lessen our foreign dependency, increase our domestic supplies, and reduce our trade deficit – 41% of which is due to oil imports. John McCain proposes to cooperate with the states and the Department of Defense in the decisions to develop these resources.

John McCain Believes In Promoting And Expanding The Use Of Our Domestic Supplies Of Natural Gas. When people are hurting, and struggling to afford gasoline, food, and other necessities, common sense requires that we draw upon America’s own vast reserves of oil and natural gas. Within the United States we have tremendous reserves of natural gas. The Outer Continental Shelf alone contains 77 trillion cubic feet of recoverable natural gas. It is time that we capitalize on these significant resources and build the infrastructure needed to transport this important component of electricity generation and transportation fuel around the country.

Taking Action Now To Break Our Dependency On Foreign Oil By Reforming Our Transportation Sector

The Nation Cannot Reduce Its Dependency On Oil Unless We Change How We Power Our Transportation Sector.

John McCain’s Clean Car Challenge. John McCain will issue a Clean Car Challenge to the automakers of America, in the form of a single and substantial tax credit for the consumer based on the reduction of carbon emissions. He will commit a $5,000 tax credit for each and every customer who buys a zero carbon emission t car, encouraging automakers to be first on the market with these cars in order to capitalize on the consumer incentives. For other vehicles, a graduated tax credit will apply so that the lower the carbon emissions, the higher the tax credit.

John McCain Will Propose A $300 Million Prize To Improve Battery Technology For Full Commercial Development Of Plug-In Hybrid And Fully Electric Automobiles. A $300 million prize should be awarded for the development of a battery package that has the size, capacity, cost and power to leapfrog the commercially available plug-in hybrids or electric cars. That battery should deliver a power source at 30 percent of the current costs. At $300 million, the prize is one dollar for every man, woman and child in this country – and a small price to pay for breaking our dependence on oil.

John McCain Supports Flex-Fuel Vehicles (FFVs) And Believes They Should Play A Greater Role In Our Transportation Sector. In just three years, Brazil went from new cars sales that were about 5 percent FFVs to over 70 percent of new vehicles that were FFVs. American automakers have committed to make 50 percent of their cars FFVs by 2012. John McCain calls on automakers to make a more rapid and complete switch to FFVs.

John McCain Believes Alcohol-Based Fuels Hold Great Promise As Both An Alternative To Gasoline And As A Means of Expanding Consumers’ Choices. Some choices such as ethanol are on the market right now. The second generation of alcohol-based fuels like cellulosic ethanol, which won’t compete with food crops, are showing great potential.

Today, Isolationist Tariffs And Wasteful Special Interest Subsidies Are Not Moving Us Toward An Energy Solution. We need to level the playing field and eliminate mandates, subsidies, tariffs and price supports that focus exclusively on corn-based ethanol and prevent the development of market-based solutions which would provide us with better options for our fuel needs.

John McCain Will Effectively Enforce Existing CAFE Standards. John McCain has long supported CAFE standards – the mileage requirements that automobile manufacturers’ cars must meet. Some carmakers ignore these standards, pay a small financial penalty, and add it to the price of their cars. John McCain believes that the penalties for not following these standards must be effective enough to compel all carmakers to produce fuel-efficient vehicles.

Investing In Clean, Alternative Sources Of Energy

John McCain Believes That The U.S. Must Become A Leader In A New International Green Economy. Green jobs and green technology will be vital to our economic future. There is no reason that the U.S. should not be a leader in developing and deploying these new technologies.

John McCain Will Commit $2 Billion Annually To Advancing Clean Coal Technologies. Coal produces the majority of our electricity today. Some believe that marketing viable clean coal technologies could be over 15 years away. John McCain believes that this is too long to wait, and we need to commit significant federal resources to the science, research and development that advance this critical technology. Once commercialized, the U.S. can then export these technologies to countries like China that are committed to using their coal – creating new American jobs and allowing the U.S. to play a greater role in the international green economy.

John McCain Will Put His Administration On Track To Construct 45 New Nuclear Power Plants By 2030 With The Ultimate Goal Of Eventually Constructing 100 New Plants. Nuclear power is a proven, zero-emission source of energy, and it is time we recommit to advancing our use of nuclear power. Currently, nuclear power produces 20% of our power, but the U.S. has not started construction on a new nuclear power plant in over 30 years. China, India and Russia have goals of building a combined total of over 100 new plants and we should be able to do the same. It is also critical that the U.S. be able to build the components for these plants and reactors within our country so that we are not dependent on foreign suppliers with long wait times to move forward with our nuclear plans.

John McCain Will Establish A Permanent Tax Credit Equal To 10 Percent Of Wages Spent On R&D. This reform will simplify the tax code, reward activity in the U.S., and make us more competitive with other countries. A permanent credit will provide an incentive to innovate and remove uncertainty. At a time when our companies need to be more competitive, we need to provide a permanent incentive to innovate, and remove the uncertainty now hanging over businesses as they make R&D investment decisions.

John McCain Will Encourage The Market For Alternative, Low Carbon Fuels Such As Wind, Hydro And Solar Power. According to the Department of Energy, wind could provide as much as one-fifth of electricity by 2030. The U.S. solar energy industry continued its double-digit annual growth rate in 2006. To develop these and other sources of renewable energy will require that we rationalize the current patchwork of temporary tax credits that provide commercial feasibility. John McCain believes in an even-handed system of tax credits that will remain in place until the market transforms sufficiently to the point where renewable energy no longer merits the taxpayers’ dollars.

Protecting Our Environment And Addressing Climate Change: A Sound Energy Strategy Must Include A Solid Environmental Foundation

John McCain Proposes A Cap-And-Trade System That Would Set Limits On Greenhouse Gas Emissions While Encouraging The Development Of Low-Cost Compliance Options. A climate cap-and-trade mechanism would set a limit on greenhouse gas emissions and allow entities to buy and sell rights to emit, similar to the successful acid rain trading program of the early 1990s. The key feature of this mechanism is that it allows the market to decide and encourage the lowest-cost compliance options.

How Does A Cap-And-Trade System Work? A cap-and-trade system harnesses human ingenuity in the pursuit of alternatives to carbon-based fuels. Market participants are allotted total permits equal to the cap on greenhouse gas emissions. If they can invent, improve, or acquire a way to reduce their emissions, they can sell their extra permits for cash. The profit motive will coordinate the efforts of venture capitalists, corporate planners, entrepreneurs, and environmentalists on the common motive of reducing emissions.

Greenhouse Gas Emission Targets And Timetables:

2012: Return Emissions To 2005 Levels (18 Percent Above 1990 Levels)
2020: Return Emissions To 1990 Levels (15 Percent Below 2005 Levels)
2030: 22 Percent Below 1990 Levels (34 Percent Below 2005 Levels)
2050: 60 Percent Below 1990 Levels (66 Percent Below 2005 Levels)

The Cap-And-Trade System Would Allow For The Gradual Reduction Of Emissions. The cap-and-trade system would encompass electric power, transportation fuels, commercial business, and industrial business – sectors responsible for just under 90 percent of all emissions. Small businesses would be exempt. Initially, participants would be allowed to either make their own GHG reductions or purchase “offsets” – financial instruments representing a reduction, avoidance, or sequestration of greenhouse gas emissions practiced by other activities, such as agriculture – to cover 100 percent of their required reductions. Offsets would only be available through a program dedicated to ensure that all offset GHG emission reductions are real, measured and verifiable. The fraction of GHG emission reductions permitted via offsets would decline over time.

Promoting Energy Efficiency

John McCain Will Make Greening The Federal Government A Priority Of His Administration. The federal government is the largest electricity consumer on earth and occupies 3.3 billion square feet of space worldwide. It provides an enormous opportunity to lead by example. By applying a higher efficiency standard to new buildings leased or purchased or retrofitting existing buildings, we can save taxpayers substantial money in energy costs, and move the construction market in the direction of green technology.

John McCain Will Move The United States Toward Electricity Grid And Metering Improvements To Save Energy. John McCain will work to reduce red tape to allow a serious investment to upgrade our national grid to meet the demands of the 21st century – which will include a capacity to charge the electric cars that will one day fill the roads and highways of America. And to save both money and electrical power for our people and businesses, we will also need to deploy SmartMeter technologies. These new meters give customers a more precise picture of their overall energy consumption, and over time will encourage a more cost-efficient use of power.

Addressing Speculative Pricing Of Oil

John McCain Believes We Must Understand The Role Speculation Is Playing In Our Soaring Energy Prices. Congress already has investigations underway to examine this kind of wagering in our energy markets, unrelated to any kind of productive commerce, because it can distort the market, drive prices beyond rational limits, and put the investments and pensions of millions of Americans at risk. John McCain believes that where we find abuses, they need to be swiftly punished. To make sure it never happens again, we must reform the laws and regulations governing the oil futures market, so that they are just as clear and effective as the rules applied to stocks, bonds, and other financial instruments.

John McCain Does Not Support A Windfall Profits Tax. A windfall profits tax on the oil companies will ultimately result in increasing our dependence on foreign oil and hinder investment in domestic exploration. Jimmy Carter put a windfall profits tax in to place with little to no useful results.

• Cap and Trade: Obama supports implementation of a market-based cap-and-trade system to reduce carbon emissions by the amount scientists say is necessary: 80 percent below 1990 levels by 2050. Obama’s cap-and-trade system will require all pollution credits to be auctioned. A 100 percent auction ensures that all polluters pay for every ton of emissions they release, rather than giving these emission rights away to coal and oil companies. Some of the revenue generated by auctioning allowances will be used to support the development of clean energy, to invest in energy efficiency improvements, and to address transition costs, including helping American workers affected by this economic transition.
• Confront Deforestation and Promote Carbon Sequestration: Obama will develop domestic incentives that reward forest owners, farmers, and ranchers when they plant trees, restore grasslands, or undertake farming practices that capture carbon dioxide from the atmosphere.

Invest in a Clean Energy Future

• Invest $150 Billion over 10 Years in Clean Energy: Obama will invest $150 billion over 10 years to advance the next generation of biofuels and fuel infrastructure, accelerate the commercialization of plug-in hybrids, promote development of commercial-scale renewable energy, invest in low-emissions coal plants, and begin the transition to a new digital electricity grid. A principal focus of this fund will be devoted to ensuring that technologies that are developed in the U.S. are rapidly commercialized in the U.S. and deployed around the globe.
• Double Energy Research and Development Funding: Obama will double science and research funding for clean energy projects including those that make use of our biomass, solar and wind resources.
• Invest in a Skilled Clean Technologies Workforce: Obama will use proceeds from the cap-and-trade auction program to invest in job training and transition programs to help workers and industries adapt to clean technology development and production. Obama will also create an energy-focused Green Jobs Corps to connect disconnected and disadvantaged youth with job skills for a high-growth industry.
• Convert our Manufacturing Centers into Clean Technology Leaders: Obama will establish a federal investment program to help manufacturing centers modernize and Americans learn the new skills they need to produce green products.
• Clean Technologies Deployment Venture Capital Fund: Obama will create a Clean Technologies Venture Capital Fund to fill a critical gap in U.S. technology development. Obama will invest $10 billion per year into this fund for five years. The fund will partner with existing investment funds and our National Laboratories to ensure that promising technologies move beyond the lab and are commercialized in the U.S
• Require 25 Percent of Renewable Electricity by 2025: Obama will establish a 25 percent federal Renewable Portfolio Standard (RPS) to require that 25 percent of electricity consumed in the U.S. is derived from clean, sustainable energy sources, like solar, wind and geothermal by 2025.
• Develop and Deploy Clean Coal Technology: Obama will significantly increase the resources devoted to the commercialization and deployment of low-carbon coal technologies. Obama will consider whatever policy tools are necessary, including standards that ban new traditional coal facilities, to ensure that we move quickly to commercialize and deploy low carbon coal technology.

Support Next Generation Biofuels

• Deploy Cellulosic Ethanol: Obama will invest federal resources, including tax incentives, cash prizes and government contracts into developing the most promising technologies with the goal of getting the first two billion gallons of cellulosic ethanol into the system by 2013.
• Expand Locally-Owned Biofuel Refineries: Less than 10 percent of new ethanol production today is from farmer-owned refineries. New ethanol refineries help jumpstart rural economies. Obama will create a number of incentives for local communities to invest in their biofuels refineries.
• Establish a National Low Carbon Fuel Standard: Barack Obama will establish a National Low Carbon Fuel Standard to speed the introduction of low-carbon non-petroleum fuels. The standard requires fuels suppliers to reduce the carbon their fuel emits by ten percent by 2020.
• Increase Renewable Fuel Standard: Obama will require 36 billion gallons of renewable fuels to be included in the fuel supply by 2022 and will increase that to at least 60 billion gallons of advanced biofuels like cellulosic ethanol by 2030.

Set America on Path to Oil Independence

Obama’s plan will reduce oil consumption by at least 35 percent, or 10 million barrels per day, by 2030. This will more than offset the equivalent of the oil we would import from OPEC nations in 2030.

• Increase Fuel Economy Standards: Obama will double fuel economy standards within 18 years. His plan will provide retooling tax credits and loan guarantees for domestic auto plants and parts manufacturers, so that they can build new fuel-efficient cars rather than overseas companies. Obama will also invest in advanced vehicle technology such as advanced lightweight materials and new engines.

Improve Energy Efficiency 50 Percent by 2030

• Set National Building Efficiency Goals: Barack Obama will establish a goal of making all new buildings carbon neutral, or produce zero emissions, by 2030. He’ll also establish a national goal of improving new building efficiency by 50 percent and existing building efficiency by 25 percent over the next decade to help us meet the 2030 goal.
• Establish a Grant Program for Early Adopters: Obama will create a competitive grant program to award those states and localities that take the first steps to implement new building codes that prioritize energy efficiency.
• Invest in a Digital Smart Grid: Obama will pursue a major investment in our utility grid to enable a tremendous increase in renewable generation and accommodate modern energy requirements, such as reliability, smart metering, and distributed storage

Restore U.S. Leadership on Climate Change

• Create New Forum of Largest Greenhouse Gas Emitters: Obama will create a Global Energy Forum — that includes all G-8 members plus Brazil, China, India, Mexico and South Africa –the largest energy consuming nations from both the developed and developing world. The forum would focus exclusively on global energy and environmental issues.
• Re-Engage with the U.N. Framework Convention on Climate Change: The UNFCCC process is the main international forum dedicated to addressing the climate problem and an Obama administration will work constructively within it.

Barack Obama’s Record

• Renewable Fuels: Obama has worked on numerous efforts in the Senate to increase access to and use of renewable fuels. Obama passed legislation with Senator Jim Talent (R-MO) to give gas stations a tax credit for installing E85 ethanol refueling pumps. The tax credit covers 30 percent of the costs of switching one or more traditional petroleum pumps to E85, which is an 85 percent ethanol/15 percent gasoline blend. Obama also sponsored an amendment that became law providing $40 million for commercialization of a combined flexible fuel vehicle/hybrid car within five years.
• CAFE: Obama introduced a bold new plan that brought Republicans and Democrats, CAFE supporters and long-time opponents together in support of legislation that will gradually increase fuel economy standards and offer what the New York Times editorial page called “real as opposed to hypothetical results.

National Security

A Strong Military in a Dangerous World

In a dangerous world, protecting America’s national security requires a strong military. Today, America has the most capable, best-trained and best-led military force in the world. But much needs to be done to maintain our military leadership, retain our technological advantage, and ensure that America has a modern, agile military force able to meet the diverse security challenges of the 21st century.

John McCain is committed to ensuring that the men and women of our military remain the best, most capable fighting force on Earth – and that our nation honors its promises to them for their service.

The global war on terrorism, wars in Iraq and Afghanistan, threats from rogue states like Iran and North Korea, and the rise of potential strategic competitors like China and Russia mean that America requires a larger and more capable military to protect our country’s vital interests and deter challenges to our security. America confronts a range of serious security challenges: Protecting our homeland in an age of global terrorism and Islamist extremism; working with friends and partners overseas, from Africa to Southeast Asia, to help them combat terrorism and violent insurgencies in their own countries; defending against missile and nuclear attack; maintaining the credibility of our defense commitments to our allies; and waging difficult counterinsurgency campaigns in Afghanistan and Iraq.

John McCain understands national security and the threats facing our nation. He recognizes the dangers posed by the proliferation of weapons of mass destruction, violent Islamist extremists and their terrorist tactics, and the ever present threat of regional conflict that can spill into broader wars that endanger allies and destabilize areas of the world vital to American security. He knows that to protect our homeland, our interests, and our values – and to keep the peace – America must have the best-manned, best-equipped, and best-supported military in the world.

John McCain has been a tireless advocate of our military and ensuring that our forces are properly postured, funded, and ready to meet the nation’s obligations both at home and abroad. He has fought to modernize our forces, to ensure that America maintains and expands its technological edge against any potential adversary, and to see that our forces are capable and ready to undertake the variety of missions necessary to meet national security objectives.

As President, John McCain will strengthen the military, shore up our alliances, and ensure that the nation is capable of protecting the homeland, deterring potential military challenges, responding to any crisis that endangers American security, and prevailing in any conflict we are forced to fight.

Fighting Against Violent Islamic Extremists and Terrorist Tactics

The attacks on September 11th represented more than a failure of intelligence. The tragedy highlighted a failure of national policy to respond to the development of a global terror network hostile to the American people and our values. The 1993 World Trade Center bombing, the 1998 attacks on the U.S. embassies in Kenya and Tanzania, and the 2000 bombing of the USS COLE indicated a growing global terrorist threat before the attacks on New York and Washington. On the morning of September 11, 2001, Osama bin Laden’s declaration of war against the United States hit home with unmistakable clarity.

America faces a dedicated, focused, and intelligent foe in the war on terrorism. This enemy will probe to find America’s weaknesses and strike against them. The United States cannot afford to be complacent about the threat, naive about terrorist intentions, unrealistic about their capabilities, or ignorant to our national vulnerabilities.

In the aftermath of 9/11 John McCain fought for the creation of an independent 9/11 Commission to identify how to best address the terrorist threat and decrease our domestic vulnerability. He fought for the establishment of the Department of Homeland Security and the creation of the U.S. Northern Command with the specific responsibility of protecting the U.S. homeland.

As President, John McCain will ensure that America has the quality intelligence necessary to uncover plots before they take root, the resources to protect critical infrastructure and our borders against attack, and the capability to respond and recover from a terrorist incident swiftly.

He will ensure that the war against terrorists is fought intelligently, with patience and resolve, using all instruments of national power. Moreover, he will lead this fight with the understanding that to impinge on the rights of our own citizens or restrict the freedoms for which our nation stands would be to give terrorists the victory they seek.

John McCain believes that just as America must be prepared to meet and prevail against any adversary on the field of battle, we must engage and prevail against them on the battleground of ideas. In so doing, we can and must deprive terrorists of the converts they seek and counter their teaching of the doctrine of hatred and despair.

As President, John McCain will take it as his most sacred responsibility to keep America free, safe, and strong – an abiding beacon of freedom and hope to the world.

Effective Missile Defense

John McCain strongly supports the development and deployment of theater and national missile defenses. Effective missile defenses are critical to protect America from rogue regimes like North Korea that possess the capability to target America with intercontinental ballistic missiles, from outlaw states like Iran that threaten American forces and American allies with ballistic missiles, and to hedge against potential threats from possible strategic competitors like Russia and China. Effective missile defenses are also necessary to allow American military forces to operate overseas without being deterred by the threat of missile attack from a regional adversary.

John McCain is committed to deploying effective missile defenses to reduce the possibility of strategic blackmail by rogue regimes and to secure our homeland from the very real prospect of missile attack by present or future adversaries. America should never again have to live in the shadow of missile and nuclear attack. As President, John McCain will not trust in the “balance of terror” to protect America, but will work to deploy effective missile defenses to safeguard our people and our homeland.

Increasing the Size of the American Military

The most important weapons in the U.S. arsenal are the men and women of American armed forces. John McCain believes we must enlarge the size of our armed forces to meet new challenges to our security. For too long, we have asked too much of too few – with the result that many service personnel are on their second, third and even fourth tours of duty in Afghanistan and Iraq. There can be no higher defense priority than the proper compensation, training, and equipping of our troops.

Our existing force is overstretched by the combination of military operations in the broader Middle East and the need to maintain our security commitments in Europe and Asia. Recruitment and retention suffer from extended overseas deployments that keep service personnel away from their homes and families for long periods of time.

John McCain believes that the answer to these challenges is not to roll back our overseas commitments. The size and composition of our armed forces must be matched to our nation’s defense requirements. As requirements expand in the global war on terrorism so must our Army, Navy, Air Force, Marines, and Coast Guard be reconfigured to meet these new challenges. John McCain thinks it is especially important to increase the size of the Army and Marine Corps to defend against the threats we face today.

John McCain knows that the most difficult and solemn decision a president must make is sending young Americans into harm’s way. Having experienced firsthand the brutality of war, as president, John McCain would never make the decision to use force lightly, only when the cause is just, and our nation’s values and interests absolutely demand it.

Modernizing the Armed Services

Modernizing American armed forces involves procuring advanced weapons systems that will help rapidly and decisively defeat any adversary and protect American lives. It also requires addressing force protection needs to make sure that America’s combat personnel have the best safety and survivability equipment available.

Modernizing the armed forces also means adapting our doctrine, training, and tactics for the kind of conflicts we are most likely to face. Today, American forces are engaged in dangerous operations throughout the world. From Iraq and Afghanistan to Somalia and the Philippines, American forces are fighting the battles of the 21st century against terrorists and insurgents. These asymmetric conflicts require a very different force structure than the one we used to fight and win the Cold War.

The missions of the 21st century will not center on traditional territorial defense or mass armor engagements. Instead, the men and women of the U.S. armed forces will be engaged in, among other things, counter insurgency, counter terrorism, missile defense, counter proliferation and information warfare. This calls not just for a larger and more capable military, but for a new mix of military forces, including civil affairs, special operations, and highly mobile forces capable of fighting and prevailing in the conflicts America faces.

Smarter Defense Spending

John McCain has worked aggressively to reform the defense budgeting process to ensure that America enjoys the best military at the best cost. This includes reforming defense procurement to ensure the faithful and efficient expenditure of taxpayer dollars that are made available for defense acquisition. Too often, parochial interests – rather than the national interest – have guided our spending decisions. John McCain supports significant reform in our defense acquisition process to ensure that dollars spent actually contribute to U.S. security.

John McCain also feels strongly that our nation’s military spending, except in time of genuine emergency, must be funded by the regular appropriations process, not by “emergency” supplementals that allow defense to be funded outside the normal budget cycle. This process gives Congressional committees less ability to closely scrutinize defense budget requests to ensure military funding is being budgeted wisely. It makes possible Congressional pork-barrel spending that diverts scarce defense resources to parochial home-state interests. And it allows the administration to add spending above that set by budget caps, bloating the federal deficit. Budgeting annually through emergency supplemental appropriation bills encourages pork barrel spending. The American taxpayer has a right to expect us to get the most out of each and every defense dollar, especially at a time when those dollars are so critical. Throughout his career, John McCain has fought pork-barrel defense spending that diverts scarce defense resources to parochial, home-state projects rather than addressing the needs of service personnel. He believes that unauthorized earmarks drain our precious defense resources and adversely affect our national security. John McCain will continue to fight pork-barrel spending to ensure that military funds are spent where they are needed most – in support of our military personnel and our national defense.

Taking Care of Our Military Personnel and their Families

Our military personnel and their families deserve the nation’s unfailing gratitude, respect, and support. As a former naval officer with a distinguished record of military service, John McCain understands the profound sacrifices made by our men and women who serve in the uniform of our country and their families.

He believes one of America’s most solemn obligations is to treat our military personnel with the same sense of devotion and duty as they demonstrate in rendering their service to the nation. John McCain has fought for improved military pay and benefits, and an improved quality of life for military families.

America’s deployments in Iraq and Afghanistan rely heavily on Reserve and National Guard forces. John McCain has worked hard to ensure that benefits for deployed Reservists and National Guardsmen are brought in line with our active-duty military forces.

As president, he will make sure that just as we are always proud of our military personnel for what they do for the country, the country can be proud of what we do for them.

Honoring our Nation’s Commitments to Veterans and Military Retirees

John McCain has worked tirelessly to protect increased benefits for America’s veterans. He understands that our country has a duty to care for veterans who have honorably served. John McCain will continue to look out for the men and women who have answered our nation’s call.

America must never leave its military retirees in any doubt that it will keep its commitments to them for their many years of faithful service. John McCain has been a champion of military retirees in the Senate and believes that it is especially important to ensure retired service personnel enjoy full health care and benefits comparable to that received by retired federal employees. John McCain understands that a key to recruiting and retaining a new generation of American military personnel is demonstrating that our government keeps its promises to retired service members. He will remain an unwavering champion for the rights of military retirees and their families.

Chemical plants are attractive terrorist targets because they are often located near cities, are relatively easy to attack, and contain multi-ton quantities of hazardous chemicals. While a number of plants have taken voluntary steps to improve security, there are still major gaps; and the federal government has never established meaningful, permanent security regulations. Senator Obama worked with Senator Frank Lautenberg (D-NJ) to introduce comprehensive chemical plant security legislation that would establish a clear set of federal regulations that all plants must follow. The bill requires chemical facilities to enhance security, including improving barriers, containment, mitigation, and safety training, and, where possible, using safer technology, such as less toxic chemicals.

Keeping Track of Spent Nuclear Fuel

The nation has 103 operating nuclear power plants which annually produce over 2,000 metric tons of spent fuel that remains highly radioactive for many years. A report by the Government Accountability Office found inadequate tracking and security for spent nuclear fuel rods. Nuclear plants in Connecticut, Vermont and California have reported missing spent fuel in the last five years. Senator Obama introduced legislation to establish guidelines for tracking, controlling, and accounting for spent fuel at nuclear power plants.

Evacuating Special Needs Population in Emergencies

One of the most devastating aspects of Hurricane Katrina is that most of the stranded victims were society’s most vulnerable members – low-income families, the elderly, the homeless, and disabled Americans. Too many states and cities do not have adequate plans in place to care for special-needs populations. Senator Obama introduced and passed legislation to require mandatory planning for evacuating people with special needs.

Reuniting Families After Emergencies

After Hurricane Katrina, thousands of people struggled to contact family and friends following evacuation. Evacuees were forced to comb through dozens of databases in an effort to reconnect with loved ones. Senator Obama introduced and passed legislation to create a centralized, federal database to allow individuals displaced by an emergency to call one phone number or go to one website and post their location and condition. Family members and law enforcement officials would be able to use this same secure, centralized system to check the status of missing loved ones.

Keeping Our Drinking Water Safe

There are almost 170,000 public water systems in the United States. An attack on a drinking water system could contaminate or disrupt water service, thereby disrupting society, impacting human health and compromising critical activities such as fire protection. Senator Obama introduced legislation to provide $37.5 million over 5 years for drinking water systems to upgrade their monitoring and security efforts.

Protecting the Public from Radioactive Releases

Following reports that nuclear power plants in Illinois did not promptly notify local communities that tritium – a byproduct of nuclear generation – had leaked into the groundwater, Senator Obama introduced legislation to require nuclear plants to inform state and local officials if there is an unintentional leak of a radioactive substance. Chronic exposure to high levels of tritium can increase the risk of cancer, birth defects and genetic damage.

Health Care

A “Call to Action”

John McCain believes we can and must provide access to health care for every American. He has proposed a comprehensive vision for achieving that. For too long, our nation’s leaders have talked about reforming health care. Now is the time to act.

Americans Are Worried About Health Care Costs. The problems with health care are well known: it is too expensive and 47 million people living in the United States lack health insurance.

John McCain’s Vision for Health Care Reform

John McCain Believes The Key To Health Care Reform Is To Restore Control To The Patients Themselves. We want a system of health care in which everyone can afford and acquire the treatment and preventative care they need. Health care should be available to all and not limited by where you work or how much you make. Families should be in charge of their health care dollars and have more control over care.

Making Health Insurance Innovative, Portable and Affordable

John McCain Will Reform Health Care Making It Easier For Individuals And Families To Obtain Insurance. An important part of his plan is to use competition to improve the quality of health insurance with greater variety to match people’s needs, lower prices, and portability. Families should be able to purchase health insurance nationwide, across state lines.

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit – effectively cash – of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.

John McCain Proposes Making Insurance More Portable. Americans need insurance that follows them from job to job. They want insurance that is still there if they retire early and does not change if they take a few years off to raise the kids.

John McCain Will Encourage And Expand The Benefits Of Health Savings Accounts (HSAs) For Families. When families are informed about medical choices, they are more capable of making their own decisions and often decide against unnecessary options. Health Savings Accounts take an important step in the direction of putting families in charge of what they pay for.

A Specific Plan of Action: Ensuring Care for Higher Risk Patients

John McCain’s Plan Cares For The Traditionally Uninsurable. John McCain understands that those without prior group coverage and those with pre-existing conditions have the most difficulty on the individual market, and we need to make sure they get the high-quality coverage they need.

John McCain Will Work With States To Establish A Guaranteed Access Plan. As President, John McCain will work with governors to develop a best practice model that states can follow – a Guaranteed Access Plan or GAP – that would reflect the best experience of the states to ensure these patients have access to health coverage. One approach would establish a nonprofit corporation that would contract with insurers to cover patients who have been denied insurance and could join with other state plans to enlarge pools and lower overhead costs. There would be reasonable limits on premiums, and assistance would be available for Americans below a certain income level.

John McCain Will Promote Proper Incentives. John McCain will work with Congress, the governors, and industry to make sure this approach is funded adequately and has the right incentives to reduce costs such as disease management, individual case management, and health and wellness programs.

A Specific Plan of Action: Lowering Health Care Costs

John McCain Proposes A Number Of Initiatives That Can Lower Health Care Costs. If we act today, we can lower health care costs for families through common-sense initiatives. Within a decade, health spending will comprise twenty percent of our economy. This is taking an increasing toll on America’s families and small businesses. Even Senators Clinton and Obama recognize the pressure skyrocketing health costs place on small business when they exempt small businesses from their employer mandate plans.

CHEAPER DRUGS: Lowering Drug Prices. John McCain will look to bring greater competition to our drug markets through safe re-importation of drugs and faster introduction of generic drugs.

CHRONIC DISEASE: Providing Quality, Cheaper Care For Chronic Disease. Chronic conditions account for three-quarters of the nation’s annual health care bill. By emphasizing prevention, early intervention, healthy habits, new treatment models, new public health infrastructure and the use of information technology, we can reduce health care costs. We should dedicate more federal research to caring and curing chronic disease.

COORDINATED CARE: Promoting Coordinated Care. Coordinated care – with providers collaborating to produce the best health care – offers better outcomes at lower cost. We should pay a single bill for high-quality disease care which will make every single provider accountable and responsive to the patients’ needs.

GREATER ACCESS AND CONVENIENCE: Expanding Access To Health Care. Families place a high value on quickly getting simple care. Government should promote greater access through walk-in clinics in retail outlets.

INFORMATION TECHNOLOGY: Greater Use Of Information Technology To Reduce Costs. We should promote the rapid deployment of 21st century information systems and technology that allows doctors to practice across state lines.

MEDICAID AND MEDICARE: Reforming The Payment System To Cut Costs. We must reform the payment systems in Medicaid and Medicare to compensate providers for diagnosis, prevention and care coordination. Medicaid and Medicare should not pay for preventable medical errors or mismanagement.

SMOKING: Promoting The Availability Of Smoking Cessation Programs. Most smokers would love to quit but find it hard to do so. Working with business and insurance companies to promote availability, we can improve lives and reduce chronic disease through smoking cessation programs.

STATE FLEXIBILITY: Encouraging States To Lower Costs. States should have the flexibility to experiment with alternative forms of access, coordinated payments per episode covered under Medicaid, use of private insurance in Medicaid, alternative insurance policies and different licensing schemes for providers.

TORT REFORM: Passing Medical Liability Reform. We must pass medical liability reform that eliminates lawsuits directed at doctors who follow clinical guidelines and adhere to safety protocols. Every patient should have access to legal remedies in cases of bad medical practice but that should not be an invitation to endless, frivolous lawsuits.

TRANSPARENCY: Bringing Transparency To Health Care Costs. We must make public more information on treatment options and doctor records, and require transparency regarding medical outcomes, quality of care, costs and prices. We must also facilitate the development of national standards for measuring and recording treatments and outcomes.

Confronting the Long-Term Challenge

John McCain Will Develop A Strategy For Meeting The Challenge Of A Population Needing Greater Long-Term Care. There have been a variety of state-based experiments such as Cash and Counseling or The Program of All-Inclusive Care for the Elderly (PACE) that are pioneering approaches for delivering care to people in a home setting. Seniors are given a monthly stipend which they can use to hire workers and purchase care-related services and goods. They can get help managing their care by designating representatives, such as relatives or friends, to help make decisions. It also offers counseling and bookkeeping services to assist consumers in handling their programmatic responsibilities.

Setting the Record Straight: Covering Those With Pre-Existing Conditions

MYTH: Some Claim That Under John McCain’s Plan, Those With Pre-Existing Conditions Would Be Denied Insurance.

FACT: John McCain Supported The Health Insurance Portability And Accountability Act In 1996 That Took The Important Step Of Providing Some Protection Against Exclusion Of Pre-Existing Conditions.

FACT: Nothing In John McCain’s Plan Changes The Fact That If You Are Employed And Insured You Will Build Protection Against The Cost Of Any Pre-Existing Condition.

FACT: As President, John McCain Would Work With Governors To Find The Solutions Necessary To Ensure Those With Pre-Existing Conditions Are Able To Easily Access Care.

Combating Autism in America

John McCain is very concerned about the rising incidence of autism among America’s children and has continually supported research into its causes and treatment.

• Obama’s Plan to Cover Uninsured Americans: Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features:
  1. Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions.
  2. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care.
  3. Affordable premiums, co-pays and deductibles.
  4. Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a private health care plan.
  5. Simplified paperwork and reined in health costs.
  6. Easy enrollment. The new public plan will be simple to enroll in and provide ready access to coverage.
  7. Portability and choice. Participants in the new public plan and the National Health Insurance Exchange (see below) will be able to move from job to job without changing or jeopardizing their health care coverage.
  8. Quality and efficiency. Participating insurance companies in the new public program will be required to report data to ensure that standards for quality, health information technology and administration are being met.
• National Health Insurance Exchange: The Obama plan will create a National Health Insurance Exchange to help individuals who wish to purchase a private insurance plan. The Exchange will act as a watchdog group and help reform the private insurance market by creating rules and standards for participating insurance plans to ensure fairness and to make individual coverage more affordable and accessible. Insurers would have to issue every applicant a policy, and charge fair and stable premiums that will not depend upon health status. The Exchange will require that all the plans offered are at least as generous as the new public plan and have the same standards for quality and efficiency. The Exchange would evaluate plans and make the differences among the plans, including cost of services, public.
• Employer Contribution: Employers that do not offer or make a meaningful contribution to the cost of quality health coverage for their employees will be required to contribute a percentage of payroll toward the costs of the national plan. Small businesses will be exempt from this requirement, and will receive a new Small Business Health Tax Credit that helps reduce health care costs for small businesses.
• Support for Small Businesses: Barack Obama will create a Small Business Health Tax Credit to provide small businesses with a refundable tax credit of up to 50 percent on premiums paid by small businesses on behalf of their employees. This new credit will provide a strong incentive to small businesses to offer high quality health care to their workers and help improve the competitiveness of America’s small businesses.
• Mandatory Coverage of Children: Obama will require that all children have health care coverage. Obama will expand the number of options for young adults to get coverage, including allowing young people up to age 25 to continue coverage through their parents’ plans.
• Expansion Of Medicaid and SCHIP: Obama will expand eligibility for the Medicaid and SCHIP programs and ensure that these programs continue to serve their critical safety net function.
• Flexibility for State Plans: Due to federal inaction, some states have taken the lead in health care reform. The Obama plan builds on these efforts and does not replace what states are doing. States can continue to experiment, provided they meet the minimum standards of the national plan.

Lower Costs by Modernizing The U.S. Health Care System

• Reducing Costs of Catastrophic Illnesses for Employers and Their Employees: Catastrophic health expenditures account for a high percentage of medical expenses for private insurers. The Obama plan would reimburse employer health plans for a portion of the catastrophic costs they incur above a threshold if they guarantee such savings are used to reduce the cost of workers’ premiums.
• Helping Patients:
  1. Support disease management programs. Seventy five percent of total health care dollars are spent on patients with one or more chronic conditions, such as diabetes, heart disease and high blood pressure. Obama will require that providers that participate in the new public plan, Medicare or the Federal Employee Health Benefits Program (FEHBP) utilize proven disease management programs. This will improve quality of care, give doctors better information and lower costs.
  2. Coordinate and integrate care. Over 133 million Americans have at least one chronic disease and these chronic conditions cost a staggering $1.7 trillion yearly. Obama will support implementation of programs and encourage team care that will improve coordination and integration of care of those with chronic conditions.
  3. Require full transparency about quality and costs. Obama will require hospitals and providers to collect and publicly report measures of health care costs and quality, including data on preventable medical errors, nurse staffing ratios, hospital-acquired infections, and disparities in care. Health plans will also be required to disclose the percentage of premiums that go to patient care as opposed to administrative costs.
• Ensuring Providers Deliver Quality Care:
  1. Promote patient safety. Obama will require providers to report preventable medical errors and support hospital and physician practice improvement to prevent future occurrences.
  2. Align incentives for excellence. Both public and private insurers tend to pay providers based on the volume of services provided, rather than the quality or effectiveness of care. Providers who see patients enrolled in the new public plan, the National Health Insurance Exchange, Medicare and FEHBP will be rewarded for achieving performance thresholds on outcome measures.
  3. Comparative effectiveness research. Obama will establish an independent institute to guide reviews and research on comparative effectiveness, so that Americans and their doctors will have the accurate and objective information they need to make the best decisions for their health and well-being.
  4. Tackle disparities in health care. Obama will tackle the root causes of health disparities by addressing differences in access to health coverage and promoting prevention and public health, both of which play a major role in addressing disparities. He will also challenge the medical system to eliminate inequities in health care through quality measurement and reporting, implementation of effective interventions such as patient navigation programs, and diversification of the health workforce.
  5. Insurance reform. Obama will strengthen antitrust laws to prevent insurers from overcharging physicians for their malpractice insurance and will promote new models for addressing errors that improve patient safety, strengthen the doctor-patient relationship and reduce the need for malpractice suits.
• Lowering Costs Through Investment in Electronic Health Information Technology Systems: Most medical records are still stored on paper, which makes it hard to coordinate care, measure quality or reduce medical errors and which costs twice as much as electronic claims. Obama will invest $10 billion a year over the next five years to move the U.S. health care system to broad adoption of standards-based electronic health information systems, including electronic health records, and will phase in requirements for full implementation of health IT. Obama will ensure that patients’ privacy is protected.
• Lowering Costs by Increasing Competition in the Insurance and Drug Markets: The insurance business today is dominated by a small group of large companies that has been gobbling up their rivals. There have been over 400 health care mergers in the last 10 years, and just two companies dominate a full third of the national market. These changes were supposed to make the industry more efficient, but instead premiums have skyrocketed by over 87 percent.
  1. Barack Obama will prevent companies from abusing their monopoly power through unjustified price increases. His plan will force insurers to pay out a reasonable share of their premiums for patient care instead of keeping exorbitant amounts for profits and administration. His new National Health Exchange will help increase competition by insurers.
  2. Lower prescription drug costs. The second-fastest growing type of health expenses is prescription drugs. Pharmaceutical companies are selling the exact same drugs in Europe and Canada but charging Americans more than double the price. Obama will allow Americans to buy their medicines from other developed countries if the drugs are safe and prices are lower outside the U.S. Obama will also repeal the ban that prevents the government from negotiating with drug companies, which could result in savings as high as $30 billion. Finally, Obama will work to increase the use of generic drugs in Medicare, Medicaid, and FEHBP and prohibit big name drug companies from keeping generics out of markets.

Fight for New Initiatives

• Advance the Biomedical Research Field: As a result of biomedical research the prevention, early detection and treatment of diseases such as cancer and heart disease is better today than any other time in history. Barack Obama has consistently supported funding for the national institutes of health and the national science foundation. Obama strongly supports investments in biomedical research, as well as medical education and training in health-related fields, because it provides the foundation for new therapies and diagnostics. Obama has been a champion of research in cancer, mental health, health disparities, global health, women and children’s health, and veterans’ health. As president, Obama will strengthen funding for biomedical research, and better improve the efficiency of that research by improving coordination both within government and across government/private/non-profit partnerships. An Obama administration will ensure that we translate scientific progress into improved approaches to disease prevention, early detection and therapy that is available for all Americans.
• Fight AIDS Worldwide. There are 40 million people across the planet infected with HIV/AIDS. As president, Obama will continue to be a global leader in the fight against AIDS. Obama believes in working across party lines to combat this epidemic and recently joined Senator Sam Brownback (R-KS) at a large California evangelical church to promote greater investment in the global AIDS battle.
• Support Americans with Disabilities: As a former civil rights lawyer, Barack Obama knows firsthand the importance of strong protections for minority communities in our society. Obama is committed to strengthening and better enforcing the Americans with Disabilities Act (ADA) so that future generations of Americans with disabilities have equal rights and opportunities. Obama believes we must restore the original legislative intent of the ADA in the wake of court decisions that have restricted the interpretation of this landmark legislation.

  Barack Obama is also committed to ensuring that disabled Americans receive Medicaid and Medicare benefits in a low-cost, effective and timely manner. Recognizing that many individuals with disabilities rely on Medicare, Obama worked with Senator Ken Salazar (D-CO) to urge the department of health and human services to provide clear and reliable information on the Medicare prescription drug benefit and to ensure that the Medicare recipients were protected from fraudulent claims by marketers and drug plan agents.

• Improve Mental Health Care. Mental illness affects approximately one in five American families. The National Alliance on Mental Illness estimates that untreated mental illnesses cost the U.S. more than $100 billion per year. As president, Obama will support mental health parity so that coverage for serious mental illnesses are provided on the same terms and conditions as other illnesses and diseases.
• Protect Our Children from Lead Poisoning. More than 430,000 American children have dangerously high levels of lead in their blood. Lead can cause irreversible brain damage, learning disabilities, behavioral problems, and, at very high levels, seizures, coma and death. As president, Obama will protect children from lead poisoning by requiring that child care facilities be lead-safe within five years.
• Reduce Risks of Mercury Pollution. More than five million women of childbearing age have high levels of toxic mercury in their blood, and approximately 630,000 newborns are born at risk every year. Barack Obama has a plan to significantly reduce the amount of mercury that is deposited in oceans, lakes, and rivers, which in turn would reduce the amount of mercury in fish.
• Support Americans with Autism. More than one million Americans have autism, a complex neurobiological condition that has a range of impacts on thinking, feeling, language, and the ability to relate to others. As diagnostic criteria broaden and awareness increases, more cases of autism have been recognized across the country. Barack Obama believes that we can do more to help autistic Americans and their families understand and live with autism. He has been a strong supporter of more than $1 billion in federal funding for autism research on the root causes and treatments, and he believes that we should increase funding for the Individuals with Disabilities Education Act to truly ensure that no child is left behind.

  More than anything, autism remains a profound mystery with a broad spectrum of effects on autistic individuals, their families, loved ones, the community, and education and health care systems. Obama believes that the government and our communities should work together to provide a helping hand to autistic individuals and their families

Iraq

The Importance of Succeeding

John McCain believes it is strategically and morally essential for the United States to support the Government of Iraq to become capable of governing itself and safeguarding its people. He strongly disagrees with those who advocate withdrawing American troops before that has occurred.

It would be a grave mistake to leave before Al Qaeda in Iraq is defeated and before a competent, trained, and capable Iraqi security force is in place and operating effectively. We must help the Government of Iraq battle those who provoke sectarian tensions and promote a civil war that could destabilize the Middle East. Iraq must not become a failed state, a haven for terrorists, or a pawn of Iran. These likely consequences of America’s failure in Iraq almost certainly would either require us to return or draw us into a wider and far costlier war.

The best way to secure long-term peace and security is to establish a stable, prosperous, and democratic state in Iraq that poses no threat to its neighbors and contributes to the defeat of terrorists. When Iraqi forces can safeguard their own country, American troops can return home.

Support the Successful Counterinsurgency Strategy

John McCain has been a leading advocate of the “surge” and the counterinsurgency strategy carried out by General David Petraeus. At the end of 2006, four years of a badly conceived military strategy that concentrated American troops on large bases brought us near to the point of no return. Sectarian violence in Iraq was spiraling out of control. Al Qaeda in Iraq was on the offensive. Entire provinces were under extremists’ control and were deemed all but lost. At that critical moment, John McCain supported sending reinforcements to Iraq to implement a classic counterinsurgency strategy of securing the population.

That strategy has paid off. From June 2007 through March 2008, sectarian and ethnic violence in Iraq was reduced by 90 percent. Civilian deaths and deaths of coalition forces fell by 70 percent. This has opened the way for a return to something that approaches normal political and economic life for the average Iraqi. Political reconciliation is occurring across Iraq at the local and provincial grassroots level. Sunni and Shi’a chased from their homes by terrorist and sectarian violence are returning. The “Sons of Iraq” and Awakening movements, where former Sunni insurgents have now joined in the fight against Al Qaeda, continue to grow.

Those gains would be lost if we were to follow the policy advocated by Senator Barack Obama to withdraw most of our troops and leave behind only a small “strike force” to battle terrorists. That is, in essence, the same strategy of withdrawing from Iraq’s streets that failed in 2006. John McCain advocates continuing the successful counterinsurgency strategy that began in 2007.

Push for Political Reconciliation and Good Government

Thanks to the success of the surge, Iraq’s political order is evolving in positive and hopeful ways. Four out of the six laws cited as benchmarks by the U.S. have been passed by the Iraqi legislature. A law on amnesty and a law rolling back some of the harsher restrictions against former employees of the Iraqi government have made it possible for Iraqis to move toward genuine reconciliation. The legislature has devolved greater power to local and provincial authorities, where much of the real work of rebuilding Iraq is taking place.

More progress is necessary. The government must improve its ability to serve all Iraqis. A key test for the Iraqi government will be finding jobs in the security services and the civilian sector for the “Sons of Iraq” who have risked so much to battle terrorists.

Iraq will conduct two landmark elections in the near future – one for provincial governments in late 2008 and the other for the national government in 2009. John McCain believes we should welcome a larger United Nations role in supporting the elections. The key condition for successful elections is for American troops to continue to work with brave Iraqis to allow the voting to take place in relative freedom and security. Iraqis need to know that the U.S. will not abandon them, but will continue to press their politicians to show the necessary leadership to help develop their country.

Get Iraq’s Economy Back on its Feet

John McCain believes that economic progress is essential to sustaining security gains in Iraq. Markets that were once silent and deserted have come back to life in many areas, but high unemployment rates continue to fuel criminal and insurgent violence. To move young men away from the attractions of well-funded extremists, we need a vibrant, growing Iraqi economy. The Iraqi government can jump-start this process by using a portion of its budget surplus to employ Iraqis in infrastructure projects and in restoring basic services.

The international community should bolster proven microfinance programs to spur local-level entrepreneurship throughout the country. Iraq’s Arab neighbors, in particular, should promote regional stability by directly investing the fruits of their oil exports in Iraq. As these efforts begin to take hold in Iraq, the private sector, as always, will create the jobs and propel the growth that will end reliance on outside aid. Iraq’s government needs support to better deliver basic services—clean water, garbage collection, abundant electricity, and, above all, a basic level of security—that create a climate where the Iraqi economy creation can flourish.

Call for International Pressure on Syria and Iran

Syria and Iran have aided and abetted the violence in Iraq for too long. Syria has refused to crack down on Iraqi insurgents and foreign terrorists operating within its territory. Iran has been providing the most extreme and violent Shia militias with training, weapons, and technology that kill American and Iraqi troops. American military spokesmen have also said there is evidence that Iran has provided aid to Sunni insurgents.

The answer is not unconditional dialogues with these two dictatorships from a position of weakness. The answer is for the international community to apply real pressure to Syria and Iran to change their behavior. The United States must also bolster its regional military posture to make clear to Iran our determination to protect our forces and deter Iranian intervention.

Level with the American People

John McCain believes it is essential to be honest with the American people about the opportunities and risks that lie ahead. The American people deserve the truth from their leaders. They deserve a candid assessment of the progress made in the last year, of the serious difficulties that remain, and of the grave consequences of a reckless and irresponsible withdrawal.

Many Americans have given their lives so that America does not suffer the worst consequences of failure in Iraq. Doing the right thing in the heat of a political campaign is not always easy. But it is necessary.

John McCain on the Road Ahead

“I do not want to keep our troops in Iraq a minute longer than necessary to secure our interests there. Our goal is an Iraq that can stand on its own as a democratic ally and a responsible force for peace in its neighborhood. Our goal is an Iraq that no longer needs American troops. And I believe we can achieve that goal, perhaps sooner than many imagine. But I do not believe that anyone should make promises as a candidate for President that they cannot keep if elected. To promise a withdrawal of our forces from Iraq, regardless of the calamitous consequences to the Iraqi people, our most vital interests, and the future of the Middle East, is the height of irresponsibility. It is a failure of leadership. “

“I know the pain war causes. I understand the frustration caused by our mistakes in this war. And I regret sincerely the additional sacrifices imposed on the brave Americans who defend us. But I also know the toll a lost war takes on an army and on our country’s security. By giving General Petraeus and the men and women he has the honor to command the time and support necessary to succeed in Iraq we have before us a hard road. But it is the right road. It is necessary and just. Those who disregard the unmistakable progress we have made in the last year and the terrible consequences that would ensue were we to abandon our responsibilities in Iraq have chosen another road. It may appear to be the easier course of action, but it is a much more reckless one, and it does them no credit even if it gives them an advantage in the next election.” –John McCain 

In 2002, as the conventional thinking in Washington lined up with President Bush for war, Obama had the judgment and courage to speak out against going to war, and to warn of “an occupation of undetermined length, with undetermined costs, and undetermined consequences.” He is fully committed to ending the war in Iraq as president.

A Responsible, Phased Withdrawal

Barack Obama believes we must be as careful getting out of Iraq as we were careless getting in. Immediately upon taking office, Obama will give his Secretary of Defense and military commanders a new mission in Iraq: ending the war. The removal of our troops will be responsible and phased, directed by military commanders on the ground and done in consultation with the Iraqi government. Military experts believe we can safely redeploy combat brigades from Iraq at a pace of 1 to 2 brigades a month that would remove them in 16 months. That would be the summer of 2010 – more than 7 years after the war began.

Under the Obama plan, a residual force will remain in Iraq and in the region to conduct targeted counter-terrorism missions against al Qaeda in Iraq and to protect American diplomatic and civilian personnel. He will not build permanent bases in Iraq, but will continue efforts to train and support the Iraqi security forces as long as Iraqi leaders move toward political reconciliation and away from sectarianism.

Encouraging Political Accommodation

Barack Obama believes that the U.S. must apply pressure on the Iraqi government to work toward real political accommodation. There is no military solution to Iraq’s political differences, but the Bush Administration’s blank check approach has failed to press Iraq’s leaders to take responsibility for their future or to substantially spend their oil revenues on their own reconstruction.

Obama’s plan offers the best prospect for lasting stability in Iraq. A phased withdrawal will encourage Iraqis to take the lead in securing their own country and making political compromises, while the responsible pace of redeployment called for by Obama’s plan offers more than enough time for Iraqi leaders to get their own house in order. As our forces redeploy, Obama will make sure we engage representatives from all levels of Iraqi society—in and out of government—to forge compromises on oil revenue sharing, the equitable provision of services, federalism, the status of disputed territories, new elections, aid to displaced Iraqis, and the reform of Iraqi security forces.

Surging Diplomacy

Barack Obama will launch an aggressive diplomatic effort to reach a comprehensive compact on the stability of Iraq and the region. This effort will include all of Iraq’s neighbors—including Iran and Syria, as suggested by the bi-partisan The Iraq Study Group Report. This compact will aim to secure Iraq’s borders; keep neighboring countries from meddling inside Iraq; isolate al Qaeda; support reconciliation among Iraq’s sectarian groups; and provide financial support for Iraq’s reconstruction and development.

Preventing Humanitarian Crisis

Barack Obama believes that America has both a moral obligation and a responsibility for security that demands we confront Iraq’s humanitarian crisis—more than five million Iraqis are refugees or are displaced inside their own country. Obama will form an international working group to address this crisis. He will provide at least $2 billion to expand services to Iraqi refugees in neighboring countries, and ensure that Iraqis inside their own country can find sanctuary. Obama would also work with Iraqi authorities and the international community to hold the perpetrators of potential war crimes, crimes against humanity, and genocide accountable. He would reserve the right to intervene militarily, with our international partners, to suppress potential genocidal violence within Iraq.

The Status-of-Forces-Agreement

Obama believes any Status of Forces Agreement, or any strategic framework agreement, should be negotiated in the context of a broader commitment by the U.S. to begin withdrawing its troops and forswearing permanent bases. Obama also believes that any security accord must be subject to Congressional approval. It is unacceptable that the Iraqi government will present the agreement to the Iraqi parliament for approval—yet the Bush administration will not do the same with the U.S. Congress. The Bush administration must submit the agreement to Congress or allow the next administration to negotiate an agreement that has bipartisan support here at home and makes absolutely clear that the U.S. will not maintain permanent bases in Iraq

Immigration

I have always believed that our border must be secure and that the federal government has utterly failed in its responsibility to ensure that it is secure. If we have learned anything from the recent immigration debate, it is that Americans have little trust that their government will honor a pledge to do the things necessary to make the border secure.

As president, I will secure the border. I will restore the trust Americans should have in the basic competency of their government. A secure border is an essential element of our national security. Tight border security includes not just the entry and exit of people, but also the effective screening of cargo at our ports and other points of entry.

But a secure border will contribute to addressing our immigration problem most effectively if we also:

Recognize the importance of building strong allies in Mexico and Latin America who reject the siren call of authoritarians like Hugo Chavez, support freedom and democracy, and seek strong domestic economies with abundant economic opportunities for their citizens.

Recognize the importance of pro-growth policies — keeping government spending in check, holding down taxes, and cutting unnecessary regulatory burdens — so American businesses can hire and pay the best.

Recognize the importance of a flexible labor market to keep employers in business and our economy on top. It should provide skilled Americans and immigrants with opportunity. Our education system should ensure skills for our younger workers, and our retraining and assistance programs for displaced workers must be modernized so they can pursue those opportunities

Recognize the importance of assimilation of our immigrant population, which includes learning English, American history and civics, and respecting the values of a democratic society.

Recognize that America will always be that “shining city upon a hill,” a beacon of hope and opportunity for those seeking a better life built on hard work and optimism.

Border security and our failed immigration system are more examples of an ailing Washington culture in need of reform to regain the trust of Americans. In too many areas — from immigration and pork barrel spending to Social Security, health care, energy security and tax relief — business-as-usual politics prevents addressing the important challenges facing our nation.

Obama wants to preserve the integrity of our borders. He supports additional personnel, infrastructure and technology on the border and at our ports of entry.

Improve Our Immigration System

Obama believes we must fix the dysfunctional immigration bureaucracy and increase the number of legal immigrants to keep families together and meet the demand for jobs that employers cannot fill.

Remove Incentives to Enter Illegally

Obama will remove incentives to enter the country illegally by cracking down on employers who hire undocumented immigrants.

Bring People Out of the Shadows

Obama supports a system that allows undocumented immigrants who are in good standing to pay a fine, learn English, and go to the back of the line for the opportunity to become citizens.

Work with Mexico

Obama believes we need to do more to promote economic development in Mexico to decrease illegal immigration.

Sanctity of Life

Overturning Roe v. Wade

John McCain believes Roe v. Wade is a flawed decision that must be overturned, and as president he will nominate judges who understand that courts should not be in the business of legislating from the bench.

Constitutional balance would be restored by the reversal of Roe v. Wade, returning the abortion question to the individual states. The difficult issue of abortion should not be decided by judicial fiat.

However, the reversal of Roe v. Wade represents only one step in the long path toward ending abortion. Once the question is returned to the states, the fight for life will be one of courage and compassion – the courage of a pregnant mother to bring her child into the world and the compassion of civil society to meet her needs and those of her newborn baby. The pro-life movement has done tremendous work in building and reinforcing the infrastructure of civil society by strengthening faith-based, community, and neighborhood organizations that provide critical services to pregnant mothers in need. This work must continue and government must find new ways to empower and strengthen these armies of compassion. These important groups can help build the consensus necessary to end abortion at the state level. As John McCain has publicly noted, “At its core, abortion is a human tragedy. To effect meaningful change, we must engage the debate at a human level.”

Promoting Adoption

In 1993, John McCain and his wife, Cindy, adopted a little girl from Mother Teresa’s orphanage in Bangladesh. She has been a blessing to the McCain family and helped make adoption advocacy a personal issue for the Senator.

The McCain family experience is not unique; millions of families have had their lives transformed by the adoption of a child. As president, motivated by his personal experience, John McCain will seek ways to promote adoption as a first option for women struggling with a crisis pregnancy. In the past, he cosponsored legislation to prohibit discrimination against families with adopted children, to provide adoption education, and to permit tax deductions for qualified adoption expenses, as well as to remove barriers to interracial and inter-ethnic adoptions.

Protecting Marriage

As president, John McCain would nominate judges who understand that the role of the Court is not to subvert the rights of the people by legislating from the bench. Critical to Constitutional balance is ensuring that, where state and local governments do act to preserve the traditional family, the Courts must not overstep their authority and thwart the Constitutional right of the people to decide this question.

The family represents the foundation of Western Civilization and civil society and John McCain believes the institution of marriage is a union between one man and one woman. It is only this definition that sufficiently recognizes the vital and unique role played by mothers and fathers in the raising of children, and the role of the family in shaping, stabilizing, and strengthening communities and our nation.

As with most issues vital to the preservation and health of civil society, the basic responsibility for preserving and strengthening the family should reside at the level of government closest to the people. In their wisdom, the Founding Fathers reserved for the States the authority and responsibility to protect and strengthen the vital institutions of our civil society. They did so to ensure that the voices of America’s families could not be ignored by an indifferent national government or suffocated through filibusters and clever legislative maneuvering in Congress.

Addressing the Moral Concerns of Advanced Technology

Stem cell research offers tremendous hope for those suffering from a variety of deadly diseases – hope for both cures and life-extending treatments. However, the compassion to relieve suffering and to cure deadly disease cannot erode moral and ethical principles.

For this reason, John McCain opposes the intentional creation of human embryos for research purposes. To that end, Senator McCain voted to ban the practice of “fetal farming,” making it a federal crime for researchers to use cells or fetal tissue from an embryo created for research purposes. Furthermore, he voted to ban attempts to use or obtain human cells gestated in animals. Finally, John McCain strongly opposes human cloning and voted to ban the practice, and any related experimentation, under federal law.

As president, John McCain will strongly support funding for promising research programs, including amniotic fluid and adult stem cell research and other types of scientific study that do not involve the use of human embryos.

Where federal funds are used for stem cell research, Senator McCain believes clear lines should be drawn that reflect a refusal to sacrifice moral values and ethical principles for the sake of scientific progress, and that any such research should be subject to strict federal guidelines.

Protecting Children from Internet Pornography

John McCain believes the Internet offers tremendous promise in terms of freedom of expression, information sharing, and the spread of knowledge and commerce. It represents the greatest innovation of the modern era in terms of the democratization of free speech and access to information. From human rights groups in China to bloggers here in the United States, the Internet has opened a global dialogue that has propelled the world into an exciting new century of connectivity and communication.

However, there is a darker side to the Internet. Along with the access and anonymity of the Internet have come those who would use it to peddle child pornography and other sexually explicit material and to prey upon children.

John McCain has been a leader in pushing legislation through Congress that requires all schools and libraries receiving federal subsidies for Internet connectivity to utilize technology to restrict access to sexually explicit material by children using such computers. While the first line of defense for children will always be strong and involved parents, when they send their child to school or drop their child off at the library, parents have the right to feel safe that someone is going to be looking out for their children.

Protecting Children from Online Predators

America’s most precious asset is its children. The innocence of childhood provides hope for the future and refreshes and restores the ideals of this great country. However, there are those who prey upon this innocence and the Internet offers these predators unprecedented, often anonymous, access to children. John McCain has taken a hard line against pedophiles that would use the Internet to prey upon children by proposing the first-of-its-kind national online registry for persons who have been convicted of sex crimes against children. Senator McCain’s legislation requires that sex offenders register all online accounts in a national database that can be used by law enforcement to investigate crimes against children. If these predators fail to register they would be sent to prison for ten years. The legislation also makes use of the Internet an “aggravating factor” in sex crimes against children, adding an additional ten years to any conviction. It is the responsibility of government to do all that can be done to protect children from predators who lurk on the Internet.

The Greatest Honor is to Serve the Cause of Human Dignity

There is no greater nobility than to sacrifice for a great cause and no cause greater than protection of human dignity. Decency, human compassion, self-sacrifice and the defense of innocent life are at the core of John McCain’s value system and will be the guiding principles of a McCain Presidency.

“To sacrifice for a cause greater than yourself, and to sacrifice your life to the eminence of that cause, is the noblest activity of all.”

John McCain is the son and grandson of military officers. He served as a Navy pilot, honored to live in the company of heroes as a prisoner of war in Vietnam, and is a beloved husband and father. Senator McCain has enjoyed the quiet blessings found in serving others.

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Judicial Philosophy

“Our freedom is curtailed no less by an act of arbitrary judicial power as it is by an act of an arbitrary executive, or legislative, or state power. For that reason, a judge’s decisions must rest on more than his subjective conviction that he is right, or his eagerness to address a perceived social ill.”

-John McCain
Remarks to The Federalist Society
November 16, 2006

John McCain believes that one of the greatest threats to our liberty and the Constitutional framework that safeguards our freedoms are willful judges who usurp the role of the people and their representatives and legislate from the bench. As President, John McCain will nominate judges who understand that their role is to faithfully apply the law as written, not impose their opinions through judicial fiat.

We are a free people. This means that the rules we have agreed to live by are those made by the people themselves, not a small elite that claims to be wiser than everybody else. Our laws are legitimate precisely because they reflect decisions solemnly made by the people – in the case of Constitutional law, through the process of ratification and periodic amendment; in the case of statutory law, through their elected representatives in the legislative process. When applying the law, the role of judges is not to impose their own view as to the best policy choices for society but to faithfully and accurately determine the policy choices already made by the people and embodied in the law. The judicial role is necessarily limited and one that requires restraint and humility. As he said to the Federalist Society at the 2006 Convention, “[Judges] should be people who are humbled by their role in our system, not emboldened by it. Our freedom is curtailed no less by an act of arbitrary judicial power as it is by an act of arbitrary executive, or legislative, or state power.”

This is not a new position for John McCain. He has long held it. It is reflected in his consistent opposition to the agenda of liberal judicial activists who have usurped the role of state legislatures in such matters as dealing with abortion and the definition of marriage. It is reflected in his longstanding opposition to liberal opinions that have adopted a stance of active hostility toward religion, rather than neutrality. It is reflected in his firm support for the personal rights secured in the Second Amendment.

There are two areas of special concern that relate to the careful “balance of power” struck in our Constitutional structure – a balance essential to preserving our liberties. The first of these is the principle of Federalism. John McCain’s judicial appointees will understand that the Federal government was intended to have limited scope, and that federal courts must respect the proper role of local and state governments. The second principle is Separation of Powers. His judicial appointees will understand that it is not their role to usurp the rightful functions and powers of the co-equal political branches. He will look for candidates who respect the lawmaking powers of Congress, and the powers of the President.

John McCain believes that shaping the judiciary through the appointment power is one of the most important and solemn responsibilities a President has, and certainly one that has a profound and lasting impact. When he was running for President in 1999, he promised that, in appointing judges, he would not only insist on persons who were faithful to the Constitution, but persons who had a record that demonstrated that fidelity. A President should have confidence in the judicial philosophy of those he is appointing to the bench. That is why he strongly supported John Roberts and Samuel Alito for the Supreme Court and that is why he would seek men and women like them as his judicial appointees.

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Ethics

Seal the Pork Barrel

Among the most glaring abuses in Washington is the willful setting aside of taxpayer dollars for the pet projects of special interests, often through last minute additions to appropriations bills. Pork barrel spending is an insult to taxpayers, a waste of public resources, and an abdication of our leaders’ responsibility to be good and honorable stewards of the public treasury, for the benefit of all Americans, not just a few.

Too often it appears that elected leaders use the treasury as a campaign kitty, channeling taxpayer dollars for pet projects to preserve incumbency rather than to meet national needs. John McCain has been a tireless warrior against wasteful spending, and one of the few leaders who has the guts to challenge abusive Congressional earmarks and the pork barrel politics that grip Washington. John McCain understands that, fundamentally, wasteful spending is an issue of ethics.

As he pointed out recently as part of his longstanding, principled, and often lonely vigil against pork barrel earmarks in Congress: “Earmarked dollars have doubled just since 2000, and more than tripled in the last 10 years. This explosion in earmarks led one lobbyist to deride the appropriations committees as favor factories. The time for us to fix this broken process is long overdue.” As President, John McCain would shine the disinfecting light of public scrutiny on those who abuse the public purse, use the power of the presidency to restore fiscal responsibility, and exercise the veto pen to enforce it.

Stop the Revolving Door and Restore Ethics

America deserves and demands a government that serves the country, not itself. Most people believe that elected leaders are more interested in the perks and privileges of office than in public service, and that too often the special interest lobbyists with the fattest wallets and best access carry the day when issues of public policy are being decided.

John McCain has fought the good fight against the practices that alienate the public from their elected leaders. He has fought for public disclosure of those who lobby lawmakers for a living, and to prohibit them from providing gifts to elected officials.

He has fought for greater transparency regarding the official activities of lobbyists, disclosure of those who arrange for lawmakers’ travel, and require members to pay full charter rates when using corporate aircraft.

He has fought the “revolving door” by which lawmakers and other influential officials leave their posts and become lobbyists for the special interests they have aided.

He has fought for an independent ethics office in Congress to help restore the public’s faith in the integrity of the legislative branch.

Democracy is Not for Sale

The American people have been alienated from the process of self-government by the overwhelming appearance of their elected leaders having sold-out to the big-moneyed special interests who help finance political campaigns.

As John McCain has said, “Americans believe that political representation is measured on a sliding scale. The more you give the more effectively you can petition your government.” It is no coincidence that the most influential lobbyists with the greatest access in the nation’s Capitol are also the most prolific political fundraisers, and that incumbents attract money in far greater volumes than most challengers.

Most Americans understand that competitive elections in a free country require money. Since campaigns require spending funds to communicate with voters, they know we can never take money completely out of politics, nor should we. Americans have a right to support the candidates and the parties they endorse, including financially if they so choose.

But what most Americans worry about profoundly is corporations or individuals with huge checks seeking the undue influence on lawmakers that such largesse is intended to purchase. That is why John McCain has fought to enforce long-standing prohibitions on corporate and union contributions to federal political parties, for sensible donation limits, disclosure of how candidates and campaigns are funded, and the diligent enforcement of these common sense rules that promote maximum public participation in the political process and limit opportunities for corruption.

John McCain understands that in America the people are sovereign, and deserve a political process worthy of the sacrifices that have been made by so many to keep us free and proud. As President, John McCain will see to it that the institutions of self-government are respected pillars of democracy, not commodities to be bought, bartered, or abused.

• Centralize Ethics and Lobbying Information for Voters: Obama will create a centralized Internet database of lobbying reports, ethics records, and campaign finance filings in a searchable, sortable and downloadable format.
• Require Independent Monitoring of Lobbying Laws and Ethics Rules: Obama will use the power of the presidency to fight for an independent watchdog agency to oversee the investigation of congressional ethics violations so that the public can be assured that ethics complaints will be investigated.



posted under Uncategorized by Jeremy Sarber | |  Print This
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11563 Responseshttp://jeremysarber.com/2008/07/17/obama-versus-mccain-comparative-chart/Obama+Versus+McCain%3A+Comparative+Chart2008-07-17+13%3A00%3A34Jeremy+Sarber to “Obama Versus McCain: Comparative Chart”

1. Lunch with the blogroll: 7/17/08 « American Sentinel says: July 17th, 2008 at 11:25 am

2. [...] Jeremy E. Sarber & Friends: Obama Versus McCain: Comparative Chart [...]

3. Email From My Biggest Fan says: July 21st, 2008 at 10:45 am

4. [...] “Obama McCain Comparative Chart” was in the subject line (no doubt a reference back to this previous post). The original email: You just like the white guy… c’mon be honest. It’s okay. [...]

5. Wayne from Jeremiah Films says: July 21st, 2008 at 2:28 pm

6. Great post, looks like you are putting together a good resource of reference information … I’ve linked to it from McCain vs Obama on Gas and Oil … I could of used a trackback but a comment is more personal.

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