Opinion: A Glimpse of the Future Under Obamacare

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Sally C. Pipes

Special to AOL News .

(Oct. 15) __ With WashinVl\lp set to assume control of more than half of allllt,uilh car.: spendmg -- and thus remake nearly 20 percent ofthe economy

-- it's worth asking ifthe federal government is up to the task.

-

Ifmy husband's recent experience with the Trans ortation Security Administration is any indication, then the answer is a resounding no. Life under

e a nig tmare.

f the overnment has this much trouble returning a set oflost keys, try to imagine what it will be like when it's in charge of finding you a specialist for breast-cancer treatment or a pe Ia IClan to eat your 3-mon -':S"breatfiIng problems. Unfortunately, that's what's In store under Ubamacare. ---

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the 22 000 seniors it serves in

our health

estimates that 17 million eo Ie will be forced out of their

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Sally C. Pipes is president and CEO of the Pacifi: Research Institute. Her latest book, "The TruthAbout

Obamacare" (Regnery 2(10), was just published.

President Obama's faithful losing hope as the magic fades - BostonHerald.com

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President Obama's faithful losing hope as the magic fades

By Margery Eagan! Sunday, Octobert z. 2010 ! http://www.bostonherald.comIColumnists

Remember? Obama was JFK, RFK and MLK rolled into one. He was a once-ina-generation superstar. The savior had been born.

".Q:he Republicans) figured they could ride people's frustration and anger all the way to the ballot box," he said. Alas for Obama, it looks like Republicans figured right. Here's one emotion loose upon the land that Obama neglected to mention: fear.

Barack Obama offered up this metaphor yesterday: America's a car that Republicans drove into a ditch.

But the Republicans told us, said Obama, "You're not pushing the right way."

You're not pushing the right way.

ut ou know what? I read news a ers and watch the news for a living. Yet even I can't figure out if health care or Wall Street reform are rea y good for us or not,

I want Barack Obama to give me something concrete to hang onto so I can hang in myself. I am trying, Mr. President. But you don't make it easy.

forward

OK, I get it. There are no guarantees. But I, for one, would feel much better with some kind of evidence that Obama's GPS works.

Article URL: http://www.bostonherald.comlnews/columnists/view.bg?articleid=12893"12

http://www.bostonherald.comlnews/columnists/view.bg?articleid= 12893 72&format=text

10/17/2010

George F. Will - The Democratic vision of Big Brother

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aJbc Wa,Sbington tJo,St

The Democratic vision of Big Brother

By George F. Will

Sunday, October 17,2010; A21

With Barack Obama restoring solar panels to the White House roof -- the first were put •

Jhere by Jimmy Carter -- will Carter's cardigan sweater be reprised? The panels -environmentalism as a djdactic gestllfe --

are evidence of a '70s revival. l. o L.

"Energy we have to deal with today," said Obama during a debate with John McCain. "Health care is priority No.2." Instead, Obama decided that having priorities -- doing this

but not that -- is for people less Promethean than he. The cap-and-trade centerpiece of

his agenda for turning down the planet's ~thermostat (as Carter turned down the White House's) has foundered.

But at least when Democrats got control Of Congress in 2007 they acted to save the planet from the incandescent light bulb, banning it come 2014. For sheer annoyingness, that matches Congress's 1973 imposition of a 55 mph speed limit, which was abolished in 1995.

Nothing did more to energize conservatism in the 1970s than judges and legislators collaborating in the forced busing of (other people's) children to achieve racial balance in (other people's) schools. This policy expressed liberalism's principled refusal to be deterred by the public's misunderstanding of what is good for it. Obamacare is today's

expression of liberalism's kamikaze devotion to unwanted help for Americans, the ingrates.

Another '70s project, in the wake of Watergate, was campaign finance refonn_ -government regulating the quantity, timing and content of speech about government. But political purity has been elusive, and today. a s usual, there is, from the usual people, high anxiety about "too much" money being spent on politics. That is, what the improvers consider too much political speech, the dissemination of which is what most campaign contributions finance.

Total spending, by all parties, campaigns and issue-advocacy groups, concerning every office from county clerks to U.S. senators, may reach a record $4.2 billion in this two-, year cycle. That is about what Americans spend in one year on yogurt but less than

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George F. Will - The Democratic vision of Big Brother

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mbt ttlallbington. t~Ollt

The Democratic vision of Big Brother

they spend on candy in two Halloween seasons. Procter & Gamble spent $8.6 billion o"il advertising in its most recent fiscal year ..

Those who are determined to reduce the quantity of political speech to what they consider the proper amount are the sort of 12eople who know exactly how much water should come through our shower heads (no more than 2.5 gallons per minute, as stipulated by a 1992 law). Is it, however, really worrisome that Americans spend OIl .Q9litical advocacy -- on determining who should make and administer the laws -much less than they spend on potato chi12s ($7.1 billion a year)?

\

Desperation drives politicians to talk about

.

process rather than policy. Obama, who is

understandably reluctant to talk about what p, eople are concerned about, the economy, is instead talking about the political process. .

He is in a terrific lather of insinuation, »

~ggesting that torrents of foreign money are pouring into U.S. campaigns.

He recently said: "Just this week, we learned that one of the largest groups paying for these ads regularly takes in money from foreign corporations. So groups that receiye ,foreign money are spending huge sums to influence American elections." It takes a perverse craftsmanship to write something that slippery. Consider:

"Just this week, we learned .... " That is a fib .The fact that the U.S. Chamber of Commerce

-- this is what he is talking about but fot some reason is reluctant to say so -- receives membership dues from multinational corporations, some of them foreign-owned, is not something Obama suddenly "learned " It is about as secret as the location of the .chamber's headquarters, a leisurely threeminute walk from the White House.

"Regularly takes in money from foreign corporations." Obama cjtes no evidence to refute the chamber's contention that it ~eguesters such funds -- less than or~etwentieth of 1 percent of its budget -- from the money it devotes to political advocac~. The AFL-CIO, which spends heavily in support of Democratic candidates, also receives money from associated labor entities abroad, but Obama has not expressed angst • about this.

"So groups that receive foreign money are spending huge sums to influence American elections." The "so" is a Nixonian touch. It

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George F. Will- The Democratic vision of Big Brother

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m4t Wag4ingtolt t~Ogt

The Democratic vision of Big Brother

dishonestly implies what Qbama pwdentJy !Jinches from charging -- that the "huge

sums" are foreign mopey. '

In the '70s, Richard Nixon begat the supposed corrective of the high-minded Carter. His failure begat Ronald Reagan. American politics often is a dialectic of disappointments. Nov. 2 may remind the <!postle of change that (as a 2008 Republican bumper sticker warned) "Every Disaster is aChange."

georgewill@washpost.com

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Linda Chavez: Obama has no clue about entrepreneurship I Washington Examiner

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Linda Chavez: Obama

has no clue about entrepreneurship

By: Linda Chavez Examiner Columnist October 15,2010

,President Obarna has finally admitted that a core premise of his nearly trillion-dollar stimulus packag,e was false. In an interview this week with The New York Times' Peter Baker, the resident acknowledged that t ere's no such thing as shovel-read ro·ects," des ite the resident's near-constant ipvocation o' e term over a two-year perl..Q to explain how government spending was going to creat~ jobs~.

The president's admission is no minor matter; it goes to the heart of wby hjs economic policies have been such a failure. Not since President Jimmy Carter's confession in 1980 that it took the Soviet

J Inion's invasion of Afghanistan for him to fully understand "what the Soviets' ultimate goals are" has a sitting president so fully exposed his ignorance.

barna's admission might be refreshing ifit meant he would rethink his economic assum tions, but the Baker interview gives no suc indicatIOn. Instead, the president seems to think hIS Iggest problem has

been his failure to communicate his policies effectively. /Ie... A ,~ II ~ f\c_. J ~ lit t et btJ II t- (J V f. YIt«.-;tt- ~ .

"There is probably a perverse pride in m administration -- and I take responsibility for this; this was blowing from t e top -- t at we were going to do the right thing, even if short-term it was unpopular," he said. "And I think anybody who's occupied this office has to remember that success is determined by an'

/ intersection in policy and politics and that you can't be neglecting of marketing and P.R. and public opinLon."

Nor did the president and his team neglect the "marketing and P.B " ofhis policies. The "shovel-ready" comments were all salesmanship and no substance.

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Linda Chavez: Obama has no clue about entrepreneurship t Washington Examiner

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The president's problem isthat he has neither experience in, nor understanding of. the private economy. He has worked exclusively in the nonprofit and government sector.

... He has an unlimited faith in government and limited trust in private industry. And the president

surrounds himself with people who share his myopia. »

When the resident visited lants from Buffalo to San Francisco on his much-touted jobs tours durin the spring and summer, he was there to te wor ers t at governmen save or created their jobs.

A oung woman decides her chocolate chip cookies deserve to be enjoyed beyond her family. Debbi Fields borrows money. opens a small storefront, an wlthm seven years, er company, rs. Fields Cookies, had revenues of more than $45 million .

.

hese individuals created reat wealth for themselves, but the also created thousands of jobs for other people. The fallacy in Obama's thinking is the assumption we'd be better off taxing ric

having government spend the money directly.

But government can never be as efficient as the market. Scudamore, Fields, and Dell might just as well have failed as succeeded.

When entrepreneurs fail, they've lost their own money and that of investors who have freely chosen to take the risk. •

_Goyernment programs, however, play with other people's money -- since government has no money ot its own. When government programs fail, the consequences aren't born by the people making the

decisions but by the taxpayers. .....

So when Obama finall realizes there's no such thin ro'ect, he's admitting he's wasted our money -- billions of dollars -- not his own. But his only answer is to raise taxes so tie c

spend yet more. It's the kind of thinking that dooms his presidency and our economy. >

Examiner Columnist Linda Chavez is nationally syndicated by Creators Syndicate.

More from Linda Chavez

• Obama hasn't yet learned his economic lesson

• D.C.'s mayoral race was a referendum on progress, and progress lost

• No more racial gerrymandering

http://www.printthis.clickability.com/pt/cpt?action=cpt&title= Linda+Chavez%3A +Obam... 10/17/2010

The American Spectator : Dr. Daschle

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TOE lUG-HT PRESCRIPTION

Dr. Daschle

By Phili12 Klein on 10.14.10 @ 6:10AM

We have nothing to fear from ObamaCare.

"Most Americans are ha y with their health care even if the are s athetic to other _peop e s pro ems," Daschle writes in his new book, Getting ItDone: How Obama and Congress Finally Broke the Stalemate to Make Way for lif!.GlthCGrfRf!.jQrm. "So when reform opponents t to tell them that reform mi ht ruin what they like about their health

care, t e scare tactics often ,.J ~ fTiw/,....., '/b ~-( tf~-e I

Daschle later reminds us that people "are vulnerable to scare tactics" and that there have been "a lot of scare tactics about how much power the IRS will have" and that right now, "Many Republicans are doing everything they can to stoke the public's fears about the law ... "

to these tactics now's the time for eve body to embrace the new

law, because it "will have the best chance of success i t e country accepts It.

He writes that, "as patients, all of us can help by accepting our new responsibilities ... " and p ~ he " I) Jilt v-L N 1POYl S. 'hi '-I, f,e5 (

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10117/2010

The American Spectator : Dr. Daschle

Page 2 of4

Originally appointed to serve a dual role as Obama's top advisor on health care as well as the Secretary of Health andHI,1m_(:lJ1S~JJ/j~_~§, Daschle was forced to withdraw his nomination after it surfaced that he failed to report free chauffeur services on his tax returns. But he still provided help to Democrats from the outside throughout the health care debate, advising Obama, sitting in on strategy meetings, and even lobbying members of Congress when asked, including Nebraska Sen. Ben Nelson.

AS DASCHLE TELLS IT, at every stage of the health care push, Obama was confronted by advisors who were telling him to put off or scale back the health care effort. Just after he won the election, the Obama economic team led by Larry Summers had questioned whether a health care push in the middle of the economic crisis was "more than the nation could handle." At times, even Vice President Joe Biden and senior advisor David Axelrod expressed doubts about the wisdom of prioritizing health care. But from the beginning, Obama assured Daschle that it would be the defining issue of his presidency.

Daschle describes in heroic terms how Democrats rammed through health care legislation

iii the face of overwhelming public opposition, even convincmg themselves that the '""

fiosbhty towarq the law was overblown. After the AUgust 2009 recess, during WhlCh opponents of the health care legislation voiced their concerns at town halls. Hous~ Democrats had a meeting to discuss the where things stood. Daschle writes:

Leonard Boswell of Iowa stood up and told his colleagues that if the events taught him

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The American Spectator: Dr. Daschle

Page 3 of4

Daschle defends eve

n.Ben

"None of these deals were leasant to look at," Daschle writes. "But in the ursuit of a _higher goal -- hea th care for mil ions of Americans -- they were a price that had to he

paid,_"

HHS

If too many people are choosing to pay the mandate tax enal rather than urchase insurance an 00 many usmesses are ropping coverage and dumping emp oyees on the exchanges, Dasctile argues that Congress wIll have to pass tougher penaltIes. He also sees the public opnon as "meVItable" and hopes that the law will be updated to cover illega} ,

immigrants. "':-::::=::..

For all his triumphalism, though, one can sense some nervousness over the fierce backlash

against the legislation. •

http://spectator .org/archi ves/20 10/101141 dr-daschle/print

10/17/2010

The American Spectator : Dr. Daschle

Page 4 of4

While describing what happened in the August 2009 town hall meetings, Daschle laments that, "somehow, tTIe_Pfiergy and excItement on the pro-reform side seemed to have been "'

.. lost." Arid in his conclusion he ominousl s on th . e for re eal as well as the'

@wSUltS Iaunc ed by states challenging the constib1tionality of the individual mandate.

~ For opponents of reform, his warnings should be taken as marching orders;,.-

Philip Klein is The American Spectator's Washington correspondent. You can follow him on Twitter at: http__;jj_twitter.comIPhili12akl_dn

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10117/2010

What They Told Us: Reviewing Last Week's Key Polls - Rasmussen Reports'P'

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What They Told Us: Reviewing Last Week's Key Polls

Saturday, October 16, 2010

(0 [mail to a rriE~nd Shan~Trlis

Election Day is little more than two weeks away, an!;! the political landscape is the same as it's been for months,

The majority of U,5, voters cQ.ntinue to favor repeal of the new rwtlonal heaitllcdre

~

Nearly three-out-of::.41ur voters (73%) believe it is at least somewhat likely that the law will cause some 0 companies to (jro[! health insurance cOVera{le '·or their ernploye(~s, including 47% who say it is Very Likely.

Homeowners are more pessimistic than ever than the value of theIr home wi!! 90 down over tile next year. Just 52% of adults, in fact, now think buying a flOI,.,,,, IS the best investment families (,"" make, down from 73% in February of last year.

o

The attorney generals of all 50 states have jointly launched an ioyestigation into the Iei;din9 practices of several big banks and .OJ.Q.r.tggge com anies that led to hundreds

Meanwhile, billions in unpopular taxpayer bailouts aside, Americans continue to show a lack of confidence in the stalj;litv of the US banking mdustrv.

The Rasmussen Consumer and Investor Indexes have recovered slightly in recent weeks but are still only back to levels found at the beginning of this year.

As for overseas, a plurality of voters nlltionwide continues to believe the U.S, situation in Nqlwilistall will get worse in the next six months,

At week'S end, 43% of voters said they at least somewhat approve of President Obama's job perl:ormance1 but 560/0 disapprove In the Rasmussen Report!.~ dauv I pi'_€sidentia! Trackin9 Pall.

~ all, not a pretty picture for the party in power and goe that helps explajn why p Re ublicans hold an ei ht-point lead on the C~neric CongresSiOfl<lJ Ballot. That means 47% of Likely Voters would vote for their is riC s epu lican con ressional candidate, while 39% would go for the emocrat.

To be more specific, at week's end, the Pasrnus!.~en Reports F:':.Iection 2010 SI~ni:1le Balance of Power rankmgs suggest that Democrats will hold 48 seats after Election Day, while the Republicans will nave 4/, Five states are in the Toss-Up category

(Caiifornia, I1Unols, Nevada, VVashinglon and 'Nest. Vir"ginia ). Four Toss-U s r ts

currently he by Democrats, w i e est Virginia is a s ecial election to re lace Democrat 0 ert yr, who passed away recently.

In other Senate races surveyed this past week:

-- AlASKA - Is Lisa Murkowski on the way to writing herself back in to the U,S, Senate? Republican Jae Miller now has 35% support, while Murkowski, the incumbent senator he defeated in the state's GOP Primary who's running as a Write-in

candidate, has 34% of the vote,

-- CC)NNLCTlCUT - Democrat Richard Blumenthal leads Republican Linda McMahon by just five points in a survey conducted two nights after their thtrd and final debate.

-- DELAWM{[ - Democrat Chris Coons holds an ll-point lead over RepUblican Christine O'Donnell following the ';'ndidates' debate Wednesday night,

-- GEORCIA - Republican incumbent Johnny Isakson still holds a double-digit lead over Democrat ~1ike Thurmond.

-- NEW HN-JPSHIR.E - Republican Kelly Ayotte for the third month in a row earns more than 50% of the vote against Democratic Congressman Paul Hodes,

-- NORTH CAROL.lNA - Republican Senator Richard Burr still has a double-digit leael over challenger Elaine Marshall.

D

D I\.

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What They Told Us: Reviewing Last Week's Key Polls - Rasmussen Reports'O'

Page 2 of3

-- OHIO - Republican Rob Portman has jumped to a 23-point lead over Democratic Lieutenant Governor Lee Fisher.

fL-b

-- ORECON - Democratic incumbent Ron Wyden continues to earn over 50% support against his Republican challenger Jim Huffman.

o

J)

-- peNNSYLVANIA - Republican Pat Toomey holds a 10-point lead over Democratic Congressman Joe Sestak, the widest gap between the candidates since early April.

-- WISCONSiN - Republican challenger Ron Johnson continues to earn more than 50% of the vote against incumbent Democrat Russ Feingold.

TV

Vgters will elect gOvernors in ':'7 states next month, and right now the RaSIIllJSSerl F~eportsE:lectjon 2.010 Gubernatori,l! SCO!-2Glr'd shows Democrats solidly ahead in two states, with five more leaning their way. Republicans are running strongly in 17 states. and four more are leaning GOP. Six states are now Toss-Ups, including surprisingly Colorado where independent candidate Torn Tancredo appears to be 9J:gWinr YOteS from GOP hOnet!!' pan Maes and now is within four points of Democrat John Hickenlooper.

This is what we found in other governor's races this past week:

-- CALIFORNIA - Coming off a bare-knuckles debate this week, Democrat Jerry Brown hits his highest level of support to date against Republican t~eg Whitman.

-- FLORIDA - Republican hopeful Rick Scott has hit the 50% mark, but the race remains one of the closest in the country.

-- HAWAII - Former Democratic Congressman Neil Abercrombie and Republican Lieutenant Governor Duke Aiona are now virtually tied.

-- 1l.I.JNOrS - Republican State Senator Bill Brady leads Democratic Governor Pat Quinn by just six points in this state's crowded gubernatorial contest.

-- fv!AIf~[ - A month ago, Republican Paul LePage led Democrat Libby Mitchell by nearly 20 points. Now LePage's support has fallen to a new low, putting him in a near tie with Mitchell.

-- NEBRASKA - Republican Governor Dave Heineman still leads Democrat ~1ike Meister by more than 40 points in his bid for reelection.

-- NEW h/li'1PSHlRE - Challenger John Stephen, following his Republican Primary win, bounced into a near tie with incumbent Democratic Governor John Lynch last month, but now Lynch is 10 points ahead.

-- NEW HEXICO - Republican Susana IVjartinez leads Democratic Lieutenant Governor Diane Denish by nine points.

-- OHIO - The race between Republican John Kasich and incumbent Democratic Governor Ted Strickland appears to be tightening.

-- PEI'JN~;Yl.VANrA - Republican Attorney General Tom Corbett continues to run well ahead of Democrat Dan Onorato despite a visit to the state this week by PreSident Obama to boost Democratic candidates.

h Cts

-- SOUTH D.I\i(OTI\ - Republican Dennis Daugaard continues to sit comfortably ahead of Democrat Scott Heidepriem.

-- WISCONSIN - Republican Scott Walker holds a nine-point lead over Milwaukee's Democratic Mayor Tom Barrett.

With the campaign season in full swing, voters are more cynical than ever about the pl'omises politicians mai<e on the campdign trail. But Democrats are far lTlore trusting than Republicans and unaffiliated voters.

When many candidates are trying hard to avoid mention of some of the things they passed in Congress over the past year or so, their challengers have been working just as hard to tie them to their voting records. Some have cried foul, claiming this is negative advertising. But only 21% of Americans say it is a ncg,Hive ad when one candidate accurately describes the position of another candidate.

Many members of Congress pride themselves on their ability to bring home pork barrel spenrlinq, but with the mood of the voters in 2010, that may not be such a good idea.

Candidates across the country are holding debates or arguing over whether to have them, but political debates are a mixed bag as far as most voters are concerned.

Senate, it's no surprise that Democrats lee I ea 0 one party running !.lou, 0;;;, ress and the Wilite House. Repubhcans and voters not affiliated with e,iner of the major political parties are ess

In other surveys last week:

http://www.rasmussenreports.com/public _ content/politics/weekly _ updates/what_ they _ tol... 1011712010

Cato @ Liberty» Obamacare Suffers Another Legal Blow» Print

- Cato @ Liberty - http://www.cato-at-Iiberty.org -

Obamacare Suffers Another Legal Blow

Posted By ll'ia Shapiro On October 14, 2010 @ 7:12 pm In Law and Civil Liberties I Comments Disabled

Yes, Speaker Pelosi, the constitutional concerns people have with the health care legislation ou ramme rou ongr ss es I e overw elmin ne ative ublic 0 inion are serious. The Florida court's rulin , enying the government's motion to dismiss en e to the new health care law brought y 2 states and the National Federation of Independent Business,j mirrors the one we saw in July in Virginia's separate lawsuit. These have been the most J:horoughly briefed and argued lawsuits, so these significant and lengthy opinions conclusivelx establish that the constitutional concerns raised by the individual mandate and other provisions

are serious. Nobody can ever again suggest with a straight face that the legal claims are •

frivolous or mere political gamesmanship.

And that should come as no surprise to those who have been following the litigation because the new law is unprecedented - quite literally, without legal precedent - both in its regulatory scope and its expansion of federal authorit . Never before have courts had to consider such a~ breathtaking assertion 0 raw e era power - not even during the eight of the New Dea . "While the novel and unprecedented nature of the individual mandate does not automaticaTI

render it unconstitutional," Judge Vinson 0 serve ere is perhaps a presumption that it is. "

Just so - and the deliberate consideration that these district courts are giving to these serious ~onstitutional arguments (unlike the Michigan judge's perfunctory treatment last week) • indicates that the probability that the Supreme Court will ultimately strike down the individual

mandate continues to incr~i3.§.e. •

Article printed from Cato @ Liberty: http://www.cato-at-Iiberty.org

URL to article: http://www.cato-at-Iiberty.org/ obamacare-suffers-another-Iegal-blow /

Copyright © 2009 Cato-at-liberty. All rights reserved.

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THE WAIL STREET JOllRN,U.

THE SATURDAY ESSAY

OCTOBt:RIG.2010

What the Tea Partiers Really Want

By JONATHAN HAIDT

In Cleveland, Ohio, today, President Obama said, "I believe government should be lean; government should be efficient I believe government should leave people free to make the choices they think are best for themselves and their families, so long as those choices don't hurt others."

What do the tea partiers really want? The title of a recent book by two of the movement's leaders offers an answer:

"Give Us Liberty· A Tea Party Manifesto." The authors, Dick Armey and Matt Kibbe, write that "We just want to be free. Free to lead our lives as we please, so long as we do not infringe on the same freedom of others."

Photo Illustration by CJ Burton for Tile Wall Street Journal

More

Noble Patriots or Glorified Vandals? Topics: Tea Party

word: not liberty. but karm a.

-

This claim should cause liberals to do a double-take, Isn't it strajght out of John Stuart Mill, the patron saint of liberalism? Last year my colleagues and I placed a nearly identical statement on our research site, YourMorals.org: "Everyone should be free to do as they choose, so long as they don't infringe upon the equal freedom of others." Responses from 3,600 Americans showed that self-described ,libertarians agreed with the statement most strongly, but liberals were right behind them, Social conservatives, who, according to - national polls, make up the bulk of the tea party? were more tepid in

,

their endorsement.

Because a generalized love ofliberty doesn't distinguish tea partiers from other Americans, liberals have been free to speculate on the "real" motives behind the movement. Explanations so far have spanned a rather narrow range, from racism (they're all WhIte!) to greed (they just don't want to pay taxes!) to gullibility (Glenn Beck

.

has hypnotized them!). Such explanations allow liberals to disregard

the moral claims of tea partiers. But the passion of the tea-party movement is, in fact, a moral passion. It can be summarized in one

The notion of karma comes with lots of new-age baggage, but it is an old and very conservative idea. It is the Sanskrit word for "deed" or "action," and the law of karma says that for every action, there is an equal and morally. commensurate reaction. Kindness, honesty and hard work will (eventually) bring good fortune; cruelty, deceit and

,

laziness will (eventually) bring suffering. No divine intervention is required; it's just a law of the universe, like gravity,

Karma is not an exclusively Hindu idea. It combines the universal human desire that moral accounts should be balanced with a belief that, somehow or other, they will be balanced. In 1932, the great developmental psychologist Jean Piaget found that by the age of 6, children begin to believe that bad things that happen to them are punishments

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for bad things they have done.

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To understand the anger of the tea-party movement, just imagine how you would feel if you learned that government physicists were building a particle accelerator that might, as a side effect of its experiments, nullify the law of gravity. Everything around us would float away, and the Earth itself would break apart. Now, instead of that scenario, suppose you learned that politicians were devising policies that might, as a side effect of their enactment, nullify the law of @rma. Bad deeds would no longer lead to bad outcomes, and the fragile moral order of our nation would break apart:. For tea partiers, this scenario is not science fiction. It is the last 80 years of American history.

In the tea partiers' scheme of things, the federal government ot into the business of rotectin the American eoplefrom market uctuatlOns as we I as from their own bad decisions-under Franklin D. Roosevelt. During the Great Depression, most Americans recognized that capitalism required safety nets here and there. But Lyndon Johnson's effort to build the Great Society, and particularly welfare programs that reduced the incentives for work and marriage among the poor, went much further.

Now jump ahead to today's ongoing financial andeconomic crisis. Again, those guilty of

- -

corruption and irresponsibility

have escaped the consequences of their wrongdoing, rescued

... first by President Bush and then by President Obama. Bailouts and bonuses sent unimaginable sums of the taxpaye~s' money to the very people who brought calamity upon the rest of us. Where is punishment for the wicked?

'Binding' Moral Foundations: Loyalty, Authority, Sanctity HO\,v much would someone have to pay you to do each of the Iollowinq thinqs? Assume nothing bad would happen to YOLI afterward and you cannot use the money' to make up for your action. /weraqes for each qroup of respondents:

$1 million'

Liberals Libertarians Conservatives

$100,000 -~

$10,000

$100-

$10 -~-

o

Badmouth your own nation while t allinq into a radioshowln another nation

SL1P your iather in the filce il', part Df d comedy skit

Gef a tran~.;fu5ion or {li~led"'t:-fnlp blood from ,) convicted child molester

Liberals in the 1960s and 1970S

.

.§eemed intent on protecting

>

people from the punitive side o{

karma. Premarital sex was separated from its consequences (by birth control, abortion and more permissive norms); bearing children out of wedlock was made affordable (by passing costs on to taxpayers); even violent crime was partially shielded from punishment (by liberal reforms

_ that aimed to protect defendants and limit the powers ofthe police).

As the tea partiers see it, the positive side of karma has been weakened, too. The Protestant work ethic (karma's Christian cousin) holds that hard work IS a duty and will bring commensurate rewards. Yet here, too, liberals have long been uncomfortable with karma, because even when you create equal opportunity, differences in talent and effort result in unequal outcomes. These inequalities must then be reduced by progressive taxation, affirmative action and other heavy-handed government intervention. Such social engineering VIolates our liberty, but most of us accept limitations on our liberty when we agree with the goals and motives behind the rules, such as during air travel. For the tea partiers, federal activism has become a moral insult. They believe that, over time, the government has made a concerted effort to subvert the law of karma.

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Listen, for example, to Rick Santelli's "rant heard 'round the world" on CNBC last year and its most famous lines: "The

-

~overnment is promoting bad behavior," and "How many of you people want to pay for your neighbors' mortgage that. has an extra bathroom and can't pay their bills?" It's a rant about karma, not liberty.

Or look at the political issue that most enraged the early tea partiers. Messrs. Armey and Kibbe state categorically that it was not Mr. Obama's stimulus bill that turned millions into activists; it was Mr. Bush's bank bailout. "Many of us i;ew instinctually that the bailout was wrong," they write. "We understood that in order for capitalism to work we need to be able to not only keep the potential gains from the risks we take but also accept the losses that may come. " This is capitalist karma in a nutshell.

One of the biggest disagreements between the political left and right is their conflicting notions of fairness. Across many surveys and experiments, we find that liberals think about fairness in terms of equality, whereas conservatives think ofit in terms of karma. In our survey for YourMorals.org, we asked Americans how much they agreed with a variety of statements about fairness and liberty, including this one: "Ideally, everyone in society would end up with roughly the same amount of money." Liberals were evenly divided on

..

it, but conservatives and libertarians firmly rejected it. _

On more karmic notions of fairness, however, conservatives and libertarIans begin to split apart. Here's a statement about the positive side of karma: "Employees who work the hardest should be paid the most." Everyone agrees, but conservatives agree more enthusiastically than liberals and libertarians. whose respons~s were identical.

A rally organized by radio and TV commentator Glenn Beck in August

And here's a statement about the negative side of karma: "Whenever possible, a criminal should be made to suffer in • the same way that his victim suffered." Liberals reject this harsh notion, and libertarians mildly reject it. But conservatives are slightly positive about it,

,

The tea party is often said to be a mixture of conservative and libertarian ideals. But in a study of 152,000 people who filled out surveys at YourMorals.org, led by my colleague Ravi Iyer of the University of Southern California we found that libertarians are morally a bit more similar to liberals than to conservatives.

Libertarians are closer to conservatives on two of the five main psychological "foundations" of morality that we study- • concerns about care and fairness (as described above). But on the other three psychological foundations-group

loyalty, respect for authority and spiritual sanctity-libertarians are indistinguishable from liberals and far apart from conservatives. We call these the three "binding" foundations because they are the psychological systems used by , groups-including religious groups, the military and even college fraternities-to bind people together into tight communities of trust, cooperation and shared identity. When you think about morality as a way of binding individuals together, it's no wonder that libertarians (who prize individual liberty above all else) part company with conservatives.

10 see this divergence in action, ask yourself how much somebody would have to pay you (in secret) to get yon to d9 things that violate one of the three group-oriented moral foundations-that is, those based on loyalty, authority and sanctity. We asked people, for example, to name their price to "Say something bad about your nation (which you don't believe to be true) while calling in, anonymously, to a talk-radio show in a foreign nation."

As shown in the graph, conservatives were far more horrified than the other groups by this act of petty treason. The ~me goes for this minor act of disrespect toward authority: "Slap your father in the face (with his permission) as part of a comedy skit," and for this harmless desecration of the body: "Get a blood transfusion of 1 pint of disease-free,

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Page 4 of4

compatible blood from a convicted child molester." (Sanctity refers to the beliefthat things have invisible spiritua~ essences-the body is a temple, the flag is far more than a piece of cloth. etc.)

To see the full spectmrn of tea party morality in a single case, consider (or better still, Google) a transcript on Glenn Beck's website titled "Best caller ever?," which relates one man's moment of enlightenment. The exchan

lVe in late September, starts with karmic outrage. A father in Indiana, proud of his daughter's work ethic and higl:!. grades, learned that she would have to retake a social studies test because most of the students-who, he says, run around after school instead of studying-had failed it. The teacher confirmed that yes, the whole class would have to take the test several more times because "we have to wait for the other children to catch up." The father asked if his daughter could work on new material while the other kids retook the test. The teacher said no, it would "make the other children in the class feel not as equal." That was the last straw. At that moment, the father says. he rejected "the

-- 4

system" and decided to home-school his daughter.

A tea partier at the Taxpayer March on Sept. 12.

What makes this call so revealing is the caller's diagnosis of how America became the land that karma forgot: "It's time for America to get right, and it all starts in the home. It comes from yes, sir, no, ma'am, thank you, get on your knees and pray to God." He continues by telling Mr. Beck how, when his daughter's friends sleep over at his house, he asks them to help with chores. When their parents object,

he tells them: "Well, they wanted a meal. See, we've all got to row ;ur ;k boat. We've all got to be in the boat. We've all got to row as one. And if you are not going to row, get the hell out of the way or stop getting in mine." It's the perfect fusion of karmic thinking and conservative

binding.

The tea-party movement is a blend of libertarians and conservatives, but it is far from an equal blend, and it's not clear how long it can stay blended. The movement is partially funded and trained by libertarian and pro-business groupssuch as FreedomWorks, the organization run by Messrs. Armey and Kibbe-whose main concern is increasing ';;onomic liberty. They may mdeed "just want to be free," particularly from regulation and taxes, but the social conservatives who make up the great bulk of the movement have much broader aims.

~nd laziness, cheating and irresponsibility bring people to ruin. Give them liberty, sure, but more than that: Give them karma.

-

-Jonathan Haidt is a professor of psychology at the University of Virginia. He is the author of "The Happiness Hypothesis" and "The Righteous Mind: Why Good People are Divided by Politics and Religion," which will be published late next year.

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THE VlALl STREET JOIlRNAL.

POLITICAL DIARY

OCTOBF.n 16, 2010

Lies, Damn Lies and the ObamaCare Sales Pitch

By JOSEPH RAGO

The White House's ObamaCare defense is becoming even more frantic and desperate.

Can the White House effort to defend ObamaCare get any more frantic, not to say desperate?

On Tuesday, Stephanie Cutter, a special assistant to President Obama, took to the Whjte House blog to refute an ostensible health-care myth. "For months," she wrote categorically, "opponents of health reform have falsely claimed th!lt the Affordable Care Act would lead to the taxation of health care benefits. The claim wasn't true when the rumor first ,_surfaced, it isn't true today and it won't be true tomorrow."

That depends on how she defines "tomorrow." As former White House Budget Director Peter Orszag explained in his farewell address in July, "the legislation includes the most romising set of chan es ever enacted into law to reduce the rate of health-care cost growth over the ong term. These changes include a new excise tax on the highest-cost in~1Jrilll.c.eplgns .... "

Assooiated Press

Kathleen Sebelius

In 2018, such Cadillac policies will face a 40% tax on benefits costing more than $10,200 for individuals and $27,500 for families. ObamaCare also includes a $60.1 billion excise tax on the insurance industry, which

~ »

will be passed through to consumers as higher premiums.

,Then there's Medicare Advantage, the program Democrats hate because it gives seniors private health-care choices. In a speech to the AARP in Orlando last week, Health and Human Services Secretary Kathleen

»

SebeHus insisted that, thanks to ObamaCare, "there are more

}'4edicm:e Advantage plalls to choose from. "

Except that isn't true today and won't be true tomorrow. Insurers are cutting their Medicare Advantage offerings, and some are withdrawing the from the market entirely. When Republicans

objected to Ms. Sebelius's statement, HHS said she actually meant "more meaningful options." '

Rick Foster, Medicare's chief actuary, provided a more accurate assessment this week. ObamaCare's effect on Medicare Advantage will be "less generous benefit packages" and "a large increase in the out-of-pocket costs incurred by MA enrollees," he wrote.

~ With an election coming up, Democrats have argued that ObamaCare remains unpopular with voters because voters don't understand what ObamaCare contains. The real problem is that voters understand all too well, despite the White House's'" efforts to keep them confused.

To read more stories like this one, please subscribe to Political Diary.

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THE WALL STREET JOUlli~A1.

OPINION

OCTOBi:=R 16,2010

Why Liberals Don't Get the Tea Party Movement

Our universities haven't taught much political history for decades. No wonder so many progressives have disdain for the principles that animated the Federalist debates.

By PETER BERKOWITZ

Highly educated people say the darndest things, these days particularly about the tea party movement. Vast numbers of other highly educated people read and hear these dubious pronouncements, smile knowingly, and nod their heads in agreement. University educations and aclv~\nG~d~l~g[~~$ notwithstanding, they lack a basic understanding of the 4 .. contours of American constitutional government.

New York Times columnist Paul Krugman got the ball rolling in April 2009, just ahead of the first major tea party rallies on April 15, by falsely asserting that "the tea parties don't represent a spontaneous outpouring of public ';entiment. They're AstroTurf (fake grass-roots) events."

Having learned next to nothing in the intervening 16 months about one of the most spectacular grass-roots political movements in American histo fellow Times columnist Frank Rich denied in August of this year that the tea party movement is "spontaneous and leaderless," insisting instead that it is the instrument of billionaire brothers DaVl and ,Charles Koch.

Washington Post columnist E. J. Dionne criticized the tea party as unrepresentative in two ways. It "constitutes a sIiw.r of opinion on the extreme end of politics receiving attention out of all proportion with its numbers," he asserted last month. This was a step back from his rash prediction five months before that since it "represents a relatively small ..,

-

20Ji€lr.elelctions.

-:- Full I

: Image I

In February, Mr. Dionne argued that the tea party was alsp ~representative because it reflected a political principle that lost out at America's founding and deserves to be permanently retired: "Anti-statism, a rofound mistrust of power in Washington goes all the way back to the AntiFederalists who opposed $e Constitution itself because they saw it concentrating too much authority in the centra

Mr. Dionne follows in the footsteps ofpmgt"@ssiveaisteFittft'RieRat"d Hofstadter, whose influential 1964 book "The .Paranoid Style in American Politics" argued that Barry Goldwater and his supporters displayed a "style of mind" • characterized by "heated exaggeration, suspiciousness, and conspiratorial fantasy." Similarly, the "suspicion of '

• government" that the tea party movement shares with the Anti-Federalists, Mr. Dionne maintained, "is not amenable

to 'facts'" because II opposing government is a matter of principle." ---.

To be sure, the tea party sports its share of clowns, kooks and creeps. And some of its favored candidates and loudest

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voices have made embarrassing statements and embraced reckless policies. This, however, does not distinguish the tea party movement from the competition.

Born in response to President Obama's self-declared desire tq fundamentally change America, the tea party movement has made its central goals abundantly clear. Activists and the sizeable swath of

,

voters who sympathize with them want to reduce the massively ballooning lJqtiQl1.~LQ~bt, cut runaway federal spending, keep taxes in ~eck, reinvigorate the economy, and block the expansion of the state ... into citizens' lives.

In other words, the tea party movement is inspired above all by a

~ >

commitment to limited government. And that does distinguish it from

the competition.

Getty! rnaqes

But far from reflecting a recurring pathology in our politics or the losing side in the debate over the Constitution, the devotion to limited government lies at the heart of the American ex eriment in liberal

emocracy. The Federalists who won ratification of the Constitutionmost notably Alexander Hamilton, James Madison and John Jayshared with their Anti-Federalist opponents the view that centralized E9wer presented a formidable and abiding threat to the individual liberty that it was government's primary task to secure. They diffe~ed

Washington Post Columnist E.J. Dionne

over how to deal with the th"eat. ;

The Anti- Federalists-including Patrick Henry, Samuel Bryan and Robert Yates-adopted the traditional view that liberty depended on state power exercised in close proximity to the people. The Federalists replied in Federalist 9 that the "science of politics," which had "received great improvement," showed that in an extended and properly structured republic liberty could be achieved and with greater security and stability.

This improved science of politics was based not on abstract theory or complex calculations but on what is referred to in Federalist 51 as "inventions of prudence" grounded in the reading of classic and modern authors, broad experience of self-government in the colonies, and acute observations about the imperfections and finer points of human nature. It taught that constitutionally enumerated powers; a separation, balance, and blending of these powers among branches of the federal government; and a distribution of powers between the federal and state governments would operate to leave substantial authority to the states while both preventing abuses by the federal government and providing it with the energy needed to defend liberty.

Whether members have read much or little of The Federalist, the tea pa mov overnment

within bounds and answera Ie to the people reflects the devotion to limited government embodied in the Constitution. One reason this is poorly understood among our best educated citizens is that American politics is poorly taught at the universities that credentialed them. Indeed, even as the tea party calls for the return to constitutional basics, our ..

universities neglect The Federalist and its classic exposition of constitutional principles. ""'7

For the better part of two generations, the best political science departments have concentrated on equipping students ~ skills for performing empIrical research and teaching mathematical models that purport to describe political - -;ffairs. Meanwhile, leading history departments have emphasized social history and issues of race, class and gender at

---

the expense of constitutional history, diplomatic history and military history.

-

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Neither professors of politjcal science nor of history have made a priority of instructing students in the founding

rinciples of American constitutional 0 ent. Nor have they tau ht about the contest between the progressive

vision and the cons rvative vision that has characterized American olitics since Woodrow WI son (then a po Itical scientist at Princeton) helped launch the progressive movement in the late 19th century by arguing that the

Constitution had become obsolete and hindered democratic reform. ""7

Then there are the proliferating classes in practical ethics and moral reasoning. These expose students to hypothetical conundrums involving individuals in surreal circumstances suddenly facing life and death decisions, or present • contentious public policy questions and explore the range of respectable progressive opinions for resolving them. Such exercises may sharpen students' ability to argue. They do little to teach about self-governmen!.

;(&) They certainly do not teach about the virtues, or qualities of mind and character, that enable citizens to shoulder their;, ~ political responsibilities and prosper amidst the opportunities and uncertainties that freedom brings. Nor do they

teach the beliefs, practices and associations that foster such virtues and those that endanger them. ,..

Those who doubt that the failings of higher education in America have political consequences need only reflect on the quality of progressive commentary on the tea party movement. Our universities have produced two generations of highly educated people who seem unable to recognize the spirited defense of fundamental American rinciples, even

Mr. Berkowitz is a senior fellow at Stanford's Hoover Institution.

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Kilroy eyes a path to victory - POLITICO. com Print View

Page 1 of5

Kilroy eyes a path to victory

By: Jonathan Allen

October 15. 2010 0731 AM EDT

COLUMBUS, Ohio - Mary Jo Kilroy sees a path to victory even though most experts think she's been stuck at a dead end for months.

"No one even mentions the Kilroy race," one Qhio Democratic insider told POLITICO. When it's brought up. the insider says .• "They all say she's done ... She's toast"

Trailing by six points even in her own internal polling, Kilroy, a liberal Democratic

r freshman. has a simple plan: Annihilate Republican Steve Stivers. L () c:

The tag line of Kilroy's most recent ad, playing as early as 5:25 a.m. here on CNN, is "Steve Stivers will say anything to get elected because ,that's what lobbyists do."

t...QMe

Her disdain is even more evident in conversation.

"He doesn't have core beliefs," she told

I

POLITICO in an interview last week in a £,ampaign headquarters reminiscent of an elementary school classroom. complete with a teacher's desk in the corner and a wal ' full of colore construction paper stars @presentlOg top volunteers. "Re talks out of all sides of his mouth." -

Kilroy also isn't running from ber part~'s leadership like other vulnerabl~ Democrats. President Barack Obama remains popular enough here that Kilroy is enthusiastic about his scheduled Sunday visit to Ohio State's campus, where she

.nopes she can pick up the votes of college students who were energized hy the 2008 » campaign.

"I'm glad the president's coming here, and I plan to campaign with the president when he's here," she told POLITICO.

But the dominant theme of Kilroy's

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LITI

inst each other in 2010 in a climate that

has shifted from being pro-Democratic to anti-Democratic, not necessarily proRepublican but anti-Democratic, Kilroy is

going to struggle." "

Stivers says the difference between the two elections is easy to explain.

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campaign has been to attack Stivers.

The intense negativity - the politi~al yguivalent of end-of-the-war carpel, pombing - is Democrats' last hope of

hold in one of the most hotl conte ted seats in the nation over the last three election cycles. In 2006, Kilroy fell about 1,000 votes short of handing Rahm Emanuel and the Democratic Congressional Campaign Committee the trophy of knocking off Rep. Deborah Pryce, a member of the House Republican • leadership.

The DCCC poured money into ads that year that hammered Pryce for favoring pay raises for members of Congress. But even

>

with voters upset about the Iraq war, the Mark Foley page scandal and a litany of other issues, Kilroy would not join the new Democratic majority.

Two years later Democrats finally captUJ:.ed the seat, with Kilroy riding Barack Obama's coattails to knock off Silvers, who had replaced Pryce on the ballot. Still, Kilroy won with just 45.9 percent of the vote, an underwhelming showing in a blue-trendins district that gave Obama 55 percent of its

4

votes.

-==-

Now Kilroy faces a national Republican wave that experts say is poised to crash on this Democratic beachhead.

"The major dynamic is national forces haye

_turned against the Democrats." says Ohio ...

State University political scientist paul Be~k, who lives in the district. "It stands to reason that when you pair the same candidates

-

Kilroy eyes a path to victory - POLITICO. com Print View

Page 3 of5

LITI

respondents are given positive and negative messages about both candidates. If a third candidate is introduced into the equation and to voters, they can push themselves into a slight, statistically insignificant, 37 percent to 34 percent lead over Stivers.

Of course, it's not clear that Kilroy's

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"In two words her record," he aa¥S "Her fecord on jobs. Her record on spending. The cap and trade bill wouJO kill 100.00p Ohio jobs. The health care"bill is making it harder for small business to compete."

Kilroy and her cam ai n team are workin to s I the spotlight onto Stivers.

The charges, in a nutshell, are that he's an untrustworthy former bank lobbyist who will help companies ship jobs overseas, favor rich folks over the middle class, and lie to get ahead. )cC{rt... fo;t_c/lc;.

It's a sign of the times - and of Kilroy's own upside-down favorability ratings - that many Democrats have given up on the 15th District, a microcosm of swing-state Ohio that had, like the rest of the state and

Country, been trending Democratic in recent years.

Kilroy's own numbers, tested in a poll by the Benenson Strategy Group in late September, show that 44 percent view her favorably and 50 percent rate her unfavorably, with only 6 percent not knowing her well enough to render a judgment. §tivers, on the other hand, is at 49 percent favorable, 26 percent unfavorable, With a quarter of respondents not taking a Side.

A majority of her constituents may not like Kilroy, but her campaign thinks Stivers is vulnerable if they don't trust him. That view is based primarily on internal polling that shows the race tightening from a 46 percent to 40 percent Stivers lead to a 42 p ercent to 42 percent tie when

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modeling is reflective of what 2010 turnout will look like, and public polling is even worse for Kilroy. She trailed Stivers by nine ,percentage points in a recent Columbus Dispatch survey.

His favorability rating is even - 49 percent on each side - in Kilroy's polling, and Stivers' treads lightly in criticizing the president.

To the consternation of some party

regulars - and the delight of the Democratic base - Kilroy doesn't back an...

..inch away from a record that puts her ~uarely in the House's liberal camp. On the major questions that faced the 111th Congress - the stimulus laW, the health care overhaul and even cap-and-trade energy plan despised by many residents of coal-rich Ohio - Kilroy was a \lote in the bank for House Speaker Nancy Pelosi.

Think Alan Gra son without the bombast - ..a swing-district Democrat who has

little to distance herself from party Qrthodo'S,Y.

That down-the-line Democratic voting record will hurt Kilroy if there continues to be an enthusiasm gap between enraged blicans and disenchanted Democrats, ~articular~if turnout is closer to the no

fOr a mid-term election than the elevatea= figures of a high-interest presidential year.

..

Kilroy's strength has been in the district's portion of the city of Columbus, which accounted for 56 percent of me voters in 2008. She's a faVOrite of labor unions. But with working-class whites souring on

.

~mocrats of late, it's not c:~ ::~ unior;l leaders will have the forcer

membership that they have in electi9.[ls in

the recent..past.

A little more than 30 percent of the_ district's voters live in the Franklin County suburbs surrounding the city to the north, west and south That area is a stronghold

-

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for Stivers, as are the district's two,

r ;

conservative rural counties, Madison 'lnd

Union. which comprised abotJt 13 percent Qf the district's voters in 2008.

Right now, all signs point to a Stivers victory: The' national winds have shifted, against Democrats; the boost Obama gave Kilroy with black voters and Ohio State students is unlikely to be replicated without his presence on the ballot; the conservative third-party candidates who took 10

percent in 2008 won't repeat that feat €ls Stivers has shifted his profile from that of a centrist a bit to the right; and political money IS flowing in Stivers' direction. as he claimed over $750.000 in third quarter contributions compared with Kilroy's $600,000.

Like everywhere in the nation. both sides

.

say "jobs" is the top issue for voters.

"I absolutely. 100 percent believe tbat.a Republican majority would be very bad for the people of Ohio, very bad for the Midwest and very bad for the peopie of Ohio 15," she said.

Page 5 of5

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THE WALL STREET JOtlRNAL.

U.S NEWS

OCTOBER 16,2010

Mortgage Damage Spreads

Big Bank Stocks Hit Again as Modern Finance Collides With the Legal System By NICK TIMIRAOS, JESSICA SILVER-GREENBERG And DAN FITZPATRICK

The unfolding foreclosure-processing debacle is causing bank stocks to sljde and puttjng millions of delinquent borrowers in limbo.

But how disruptive the crisis ultimately becomes-for homeowners, the housing market and the broader economydepends on how quickly a number of technical problems and legal challenges are resolved in the months ahead.

A sign lies on the ground in front of a foreclosed home in Homestead, Fla., in March.

In essence, fast-paced modern finance is colliding with the much slower machinery of the U.S. legal system. While finance aims for efficiency and maximized profits, the courts demand due process. And that's becoming a growing issue as lenders come under attack for taking short cuts to oust homeowners who haven't mailed in a

,

mortgage check for months.

Banks stocks were hammered on Friday for the second straight day as investors continued gauging the sector's exposure to higher operating and legal costs.

Bank of America Corp. shares lost nearly 5%. Shares of Wells Fargo & Co. also fell nearly 5%, while J.P. Morgan Chase & Co. fell 4% and Citigroup Inc. lost nearly 3%. And the cost of protecting against the default of bank bonds continued to surge.

More

Mortgage System's Woes Not Isolated Foreclosures Emerge as Hot Campaign Issue

Foreclosure Crisis Slams Into Banks

Big Banks Face Foreclosure Review Trustee in Bankruptcy Joins Foreclosure Case

auction, according to court clerks.

BofA and J.P. Morgan said they temporarily suspended foreclosure ,sales as they review procedures, while other big banks have said they are reviewing files but haven't promised to freeze foreclosures. But even here, bankers are having trouble slamming on the brak~.

Banks still are referring some loans to foreclosure in states where ther issued suspensions, despite the moratoria. This week in Illinois},o Florida and Ohio, ~ank of America and J.P. Morgan Chase continyed woceedings that allow them to sell foreclosed homes at public

,

J.P. Morgan spokesman said Friday that "we have asked our local foreclosure attome s

"

Bank of America Sal on Oct. 8 that it wou

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Page 2 of4

completed." On Friday, a bank spokesman said that its cancellations only cover foreclosure sales scheduled between

Oct. 9 and Oct. 1 ·t doesn't expect the review to take longer. BofA's moratorium includes alIso states, while

J.P. Morgan's covers 41 states.

The financial system and legal system baye been on a collision course for some time in residential rca! estate Both J:b.e lower standards for loans and the lax controls involving foreclosures were ba

Banks argue that these problems will be repaired swiftly, and they'll soon be running the foreclosure machinery at full speed again. But analysts say the problems could expand into a legal crisis if banks can't prove that they are following ,..standard propertY-law pm~dures.

Lawyers, politicians and consumer advocates, meanwhile, are using the legal problems to stop foreclosures and extract settlements for troubled borrowers that lower their mortgage debt.

Industry executives note that few, if any, borrowers in the foreclosure.

elr mo gages. "We're not evicting people who deserve to stay in their house," James Dimon, J.P. Morgan chief

executive, told analysts Wednesday. --.,

-

But the banks' "reassurance is not reassuring," says Susan Wachter, a professor of real estate at the University.,of Pennsylvania's Wharton School, because it doesn't deal with how easily they can prove ownership of the underlying

~ ,

mortga~s.

The legal drama partly represents the clash between a financial sector that developed electronic processing to speed up 'procedures versus the u.S. property-law system, which relies on physical paperwork filed by individuals. >

Associated Press

There are two different problems The first resulted after lawyers for. troubled borrowers discovered that banks were using "robo-signers," or back-office employees who approved hundreds offoreclospre documents daily without reviewing them, in states where .. repossessions must be approved in court.

Banks had no choice butto suspend foreclosures in those states because submitting false witness testimony meant they hadn't properly proved ownership of the loans in foreclosure.

The second, and perhaps thornier, issue is that banks could have trouble proving they have standing to foreclose as they go back to correct errors. That problem stems largely from mortgages that were. bundled into pools and sold to investors as securities. This process, known as securitization, became the preferred

method of financing U.S. home loans over the past 30 years. '

A foreclosure auction sign displayed at a home in Chagrin Falls. Ohio. in September.

"This is back-office work. This is not all going to resolve itself immediately, and we're going to have to be patient," says

Richard Dorfman of the Securities Industry and Financial Markets Association's securitization group. "1

Real-estate law requires the physical transfer of paperwork whenever mortgages trade hands, and analysts are raising questions about how often that happened dunng the housmg boom. One concern is that banks may have lost, or didii\ ever have, mortgage certificates. If that happened, banks will have to pause foreclosures for months as they track down>

. certificates and refile paperwork. "7

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Page 3 of4

Under a far gloomier scenario, the problems created by using robo-signers may be irrelevant if, instead of being lost,

.E_or example, in Florida, which requires banks to foreclosure through the court system, the average borrower had spent 678 days without paying before being evicted through foreclosure, according to J.P. Morgan.

Banks and their attorneys say such fears are overblown. Procedures for transferring loans into mortgage-backed securities "are sound and based on a well-established body of law governing a multi-trillion dollar secondary mortgage market," said Tom Deutsch, the executive director of the American Securitization Forum, in a statement Friday .

..

For now, the foreclosure machinery operates in fits and starts. For instance, Bank of America said it had suspended foreclosures in Ohio while it reviews pr~dures there.

Still, attorneys for Bank of America moved to take back three homes through foreclosure on Oct. 12 in Franklin County, Ohio, according to a court clerk. In Summit County, Colo, J.P. Morgan on Friday took back a foreclosed condominium unit on the courthouse steps with a bid of $154,278, according to the county treasurer. AJ.P. Morg~n spokesman said the bank isn't suspending foreclosure sales in Colorado. >

,

In Lee County, Florida, both J.P. Morgan Chase and Bank of America continued to pursue judgments moving homes through foreclosure, according to COUll records. ApnI Charney, a Florida-based attorne with Jacksonville Legal Aia

Michael Holmes, 55 years old, an antique dealer, is upset that GMAC Mortgage, a loan servicer, is going to auction his home in Belfast, Maine, next week. Mr. Holmes expected the company to suspend his foreclosure sale because the

. lawsuit against him included an affidavit from Jeffrey Stephan, a GMAC employee who testified to signing as many as 10,000 loan documents without reviewing them. "There's all this news everyday that foreclosures are being halted, but

that's just not the case for me," he says. fJ.~1 '-L

l'/ry /U fP1.t~1 art. YOVl r=r=: y{JvtY' Y11()/>YAJr.

GMAC had originally scheduled an auction of Mr. Holmes' Victorian-style home for Thursday of this week, but postponed the sale for seven days after Mr. Holmes' attorney, Andrea Bopp Stark, contacted the company.

Write to Nick Timlraos at

A GMAC spokeswoman said Friday it won't pursue a foreclosure sale based on a "defective affidavit, and in Mr. Holmes' case "an amended affidavit was filed and accepted." •

nick.timiraos@wsj.com and Dan Fitzpatrick at dan.fitzpatrick@wsj.com

Copyright 2009 Dow Jones & Company, Inc. All Rights Reserved

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Commentary» The Art of Discontent» Print

Page 1 of2

- commentary - http://www.commentarymagazine.com/blogs -

The Art of Discontent

Posted By Peter Wehner On October 14, 2010 @ 10:07 AM In Contentions I Comments Disabled

Peter Baker, one of the nation's finest and fairest political reporters, has written an illuminating story [1] for the New York Times Magazine. "Education of a President" is based on interviews with Barack Obama and a dozen of his advisers.

There are three overriding impression I took away from the piece, be innin with how much even s are hum mg e president and his top ai es. T is is ·an administration that feels shellshocked," Baker writes. "Many officials worry, tRey say, that the best days of the ObamC! presidency are behind them." One aide confessed to Baker, "We're all a lot more cynical now." In their darkest moments, Baker informs us "White House aides wonder aloud whether it is even possible for a modern president to succeed."

superlorl y a remains so preva en In e ama White House. "The view from inside the

administration starts with a basic mantra," Baker writes. "Obama inherited the worst problems of any president in years. Or in generations. Or in American history." Obama does little to disguise his disdain for Washington and the conventions of modern politics, Baker writes. He has little patience for what Valerie Jarrett. a senior adviser, calls "the inevitable theatrics of Washington." And in his conversation with Baker, Obama used some variation of the phrase ..

"the 're not serious" four times in r rrin to . et lans. One prominent

DemocratiC lawmaker to d Baker that Obama "always believes he is the smartest person in any room."

The White House, then, is characterized by habitual vanity, rising cynicism, collapsing morale, and increasing resentment toward politics and governing, itself. Having worked in the White House for most of two terms, I understand that life there can present an array of challenges. Still, those working in the Obama White House seem utterly devoid of any enchantment and joy rooted in an appreciation of history - the kind of that that makes working in the White House, even on the worst days, an honor beyond measure.

In writing about Edward Grey, John Buchan told about how he had been the most fortunate of mortals, for he had everything - health, beauty, easy means, a great reputation, innumerable friends. One by one, the sources of his happiness vanished, yet Grey persevered. "Under the buffetings of life he never winced or complained," Buchan writes, "and the spectacle of his gentle fortitude was ... an inspiration."

Later in Pi/grim's Way, Buchan, in describing himself, says, "I was brought up in times when one was not ashamed to be happy, and I have never learned the art of discontent."

The White House today seems to be inhabited by people who have learned the art of discontent. Some day, it may dawn on them what a privilege and gift their White House years really were. But by then, the moment will be gone with the wind.

http://www.commentarymagazine.comlblogs/index. php/wehner/3 73 0 16/printl

10117/2010

Windows Live Hotmail Print Message

Page 1 of2

Liberal attempt at intimidation

From: William Dierker (billdierker@hotmail.com) Sent: Sun 10/17/10 11:13 AM

To: William Dierker (billdierker@hotmail.com)

Tides Foundation CEO To Fox News Advertisers: Drop Glenn Beck Or Have Blood On Your Hands

In an extraordinary move to nip the inflammatory commentary coming from Glenn Beck, the founder and CEO of the Tides Foundation (a frequent Beck target) has written advertisers asking them to remove their sponsorship of the Fox News program or risk having "blood on their hands."

Drummond Pike, who along with hiS organization was recently targeted by an as'sassin inspired by Beck's program, penned a letter on Frida to the Chairmen of the Boards of JP Mor an Chase, <iEKQ, Zurich Financial, C rys er, Direct Ho dings Americas, GlaxoSmithKline, AstraZeneca, Lilly Corporate Center, BP, and The Hartford Financial Services Group, Inc.

In it, he detailed the alarm he felt over having a "person carrying numerous guns and body armor" attempt to start a "revolution" by murdering "my colleagues and me."

To say we were "shocked" does not adequately describe our reaction. Imagine, for a moment, that you were us and, had it not been for a sharp eyed highway patrolman, a heavily armed man in full body armor would have made it to your office with the intent to kill you and your colleagues. His motive? Apparently, it was because the charitable, nonpartisan programs we run are deemed part of a conspiracy to undermine America and the capitalist system, which is hogwash.

Pike doesn't end there. Rather than chalking up the incident, frightening as it clearl

deran ed s c oses 0 I S I ron I iams he laces the blame on Beck. And in coming to the conclusion that nothing short of financial insolvency will stop the Fox News host, he asks the network's benefactors to take a stand or risk future violence.

I respectfully request that you bring this matter of your company's sponsorship of hate speech leading to violence to the attention of your fellow directors as soon as possible. I

.......

believe no responsible company should advertise on Fox News due to its recent and on-

goin de lorable conduct. While we ma a ree to disa ree about the role our citizens and our government should play in promoting social justice and the common good t ~ should be no disagreement about what constitutes integrity and professionalism and responsibility in discourse - even when allowing for and encouraging contending div~rse opinions intelligently argued. This is not a partisan issue. It's an American issue. No onel ' left, right or center, wants to see another Oklahoma City.

http://sn142w.snt142.mail.live.comimail/PrintMessages.aspx?cpids=02295159-daO I-lldf... 10/17/2010

Rice meets with Obama, then defends his administration's approach

Page 1 of3

m4t Wasbington ~ost

Rice meets with Obama, then defends his administration's approach

By Glenn Kessler

Washington Post Staff Writer Friday, October 15,2010; 10:43 PM

Not many authors on a book tour manage to snag a visit with the president of the United States. But Condoleezza Rice is no ordinary book author.

The former secretary of state and onetime national security adviser met one-on-one with PresIdent Obama at the WhIte House on Friday afternoon, after a week of televisIOn

a earances romoting "Extraordinary, Qrdinary People," her memoir about er Earents. The White House said Obama wanted to discuss a range of foreign policy issues with her. 11"1111(.. 1$ f/,lIArt ?

Later, at an evening appearance at the Aspen Institute, Rice said she and Obama "covered the waterfront." "Despite the fact there are changes and tussles, there is still a foreign policy community that believes that foreign policy ought to be bipartisan," she said. "It was really great that he reached out in that way."

Rice rolled her eyes at the notion that Obama is a closet Muslim, and she defended him from criticism - led by former vice president Richard B. Cheney - that Obama had weakened the country. ::"Nothing in this

resident's methods suggests this presIdent is other than a e en er 0 menca s interests," Rice told an audience that

included presidential adviser Valerie Jarrett.

Rice's book, a deeply personal account of

growing up in segregated Alabama, doesn't

touch on the foreign policy controversies of

her service for President George W. Bush; that material is reserved for a future volume. But

all week Rjce bas deftly maneuvered political minefields. refusing to join in criticism of th~ \ IJ. f

current administration while gently pO .j\~( ~ .

• defending the decisions of the last one, D~~

jncludjng Bush's move to topple Saddam Hussein.

"I am not going to chirp at the people inside,," Rice said Wednesday on Jon Stewart's "The

Daily Show" on Comedy Central. "I know that ( ~

ifs a lot easier out here than it is in thet:_e, it '(

and these are patriotic people who are trying t, \~ ~ til \

to do their best every day." \. \. S"f. \\\ t '" f C\

V) \V ~\"

t'

~ e (

'<'" t, . ~Q tf;?

C)'lC

Speaking to Fox News's Bill O'Reilly, she

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Rice meets with Obama, then defends his administration's approach

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mgt Wasgington ~O,6t

Rice meets with Obama, then defends his administration's approach

lavished praise on her successor, Hillary Rodham Clinton: "I think she is doing a lot of the right things .... She is very tough .... I think she has done a fine job, I really do."

Rice even chastised former House speaker Newt Gingrich (R -Ga.) for his assertion that Obama has a "Kenyan, anticolonial" worldview. "That's over the top, and I don't think very helpful," she told Andrea Mitchell on MSNBC.

Before she left Foggy Bottom, Rice repeatedly

-

said that she would not criticize publicly the

people who came after her. Indeed, one of her

,

most uncomfortable moments in office came when former secretary of state James A. Baker III was co-leader of a bipartisan panel that· issued a tough critique of the Bush administration's policy in Iraq - in

particular, the diplomatIc efforts t11at were

part of Rice's portfolio. ...

-

Since leaving Washington, Rice has returned to her academic career in California, where she is a professor at Stanford University and a fellow at the Hoover Institution. She also set up a consulting firm with Stephen J. Hadley, Bush's second-term national security adviser. A rabid football fan, she has been thrilled with Stanford's strong 5-1 start this season.

Rice maintains ties with foreign leaders, iicently meeting in Califurnia with R,i'lsian

-

President Dmitry Medvedev.

Twice given Stanford's highest awards for teachmg, Rice has taken to the classroom with VIgor. On a recent Friday afternoon, sh~ told business school students stories from' her time as secreta of state to illustrate

ow Russia used its oil and gas reserves as an economic weapon against Europe toward the end of the last decade.

Dressed in a smart, two-tone gray blazer and matching slacks, she asked the students W

-

ponder Europe's passivity when confronted

with the monopolistic behavior of GazproJ11, Russia's state-owned oil and gas company. "I. personally always thought the Europeans

>

underestimated their leverage," she noted.

She then shifted to Iran's nuclear pro~ram. After a quick review of Iran's uranium enrichment efforts and international sanctions on the country, she opened a mock U.N. Security Council meeting and watcheg students deliver speeches on Iran much as she had for years as secretary of state. The'""

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Rice meets with Obama, then defends his administration's approach

Page 3 of3

mbe Wasbington tJost

Rice meets with Obama, then defends his administration's approach

French "representative" brought a bottle of wine to the podium for effect, triggenng a laugh from Rice.

All week, Rice has resolutely refused to entertain speculation about nascent political ambitions - or even an encore stint in Washington. "What is better than having

been secretary of state? That's the best job in government," Rice told Fox News's Greta Van Susteren. "I've already done that. So I think I". will just stay in California. "

Correspondent Janine Zacharia in Palo Alto, Calif., contributed to this report.

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Stivers, Kilroy televised debate more tame than torrid - Columbus Government I Examine... Page 1 of 5

October 16th, 20101249 am ET

Stivers, Kilroy televised debate more tame than torrid

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COLUMBUS, Ohio - The two major party candidates running to represent Ohio's 15th district in Washington, incumbent Democrat Rep. Mary Joe Kilroy and her Republican challenger Steve Stivers, sat side by side Friday night in Columbus, where the answers they delivered to questions from a moderator and a live audience left each candidate unbloodied.

In what the Kilroy campaign had billed earlier in the day as an encounter that would force Stivers to show viewers whether he embraced extremist Tea Party ideology or more moderate positions, turned out to be an exchange where neither candidate really laid a' slove on the other Doe

For Kilroy, who two years ago beat Stivers by only about 2,000 votes but who trails the former state senator this time around by about 9 points in a recent

I Columbus Dispatch survey, the focus was to defend , her time in congress by explaining her votes for President Obama's stimulus, health care and

.

financial regulation bill$;

Kilroy, an attorney and former Franklin County Commissioner, said she was elected at a time when "the economy was hemorrhaging jobs and Wall

Street was running its offices like casinos, causing a collapse in housing market." Stressinq the need to fix a flawed foreign trade policy, the first-term congresswoman said that while more needs to be done, the nation has had eight consecutive months of private sectorjob growth.

Stivers, who chose to participate in tonight's debate

with his main rival while taking a pass in other

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meetings where minority party candidates running for the same office were present, said stressed that uncertainty about the n_gJiQngLd~pt. health care and

I

utility costs contributed to why the economy. natiQnwic:l~ and in the district could be much better.

Kilroy tried to paint Stivers as someone who opposition to spending would have caused the recession to turn into a depression because he wouldn't have voted for Obama's stimulus funding effort, but who now wants to increase spending on

... extending Bush-era tax cuts for millionaires and' billionaires.

Stivers, father to a daughter born last year, said her share of the natiooal debt was already about $43,000

dollars. Had he been in Congress instead of KilrO}', Stivers said he would have worked to help small business access credit and that while.there was a "lot of wasted money in the stimulus bill," he supported

.,

the portion of the stimulus bill that directed funding to infrastructure spending .•

Mike Thompson, news and public affairs director for WOSU, did his best to replicate the interview style of the late Tim Russet, long-time host of NBC's "Meet the Press," by confronting each candidate with what they had previously said on certain issues like TARP [Toxic Asset Relief Program], the stimulus bill and environmental legislation, dubbed "cap and trade" by some, and what they were saying on those issues now.

While Kilroy, a former member of the Columbus Board of Education, criticized Stivers, a former

»

lobbyist for the banking industry, as someone who supported pay-day lenders while in the Ohio Senate, Stivers reminded viewers that Kilroy, as a member of ~ body controlled by Democrats, failed to pass a budget for the first time since 1974.

Stivers, an Ohio National Guardsman who won honors for his work in Iraq, may have surprised some viewers when he said he agreed with President

-

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Stivers, Kilroy televised debate more tame than torrid - Columbus Government I Examine... Page 3 of 5

Obama's decision "wind down in Iraq and Afghanistan" in a safe way so continuing efforts could be turned over to Iraq and Afghanistan leaders;

On the issue of bailing out Wall Street and passage of the financial reform bill, Stivers may also have surprised some when he said "lenders did bad things,

- >

Wall Street did bad things." He underscored that

>

while the bill didn't "deal with Fannie Mae and Freddie Mac," will leave taxpayers "on the hook" for $1.7 trillion.

Kilroy, who has tarred Stivers throughout the campaign as a banking lobbyist who is concerned more for Wall Street than Main Street, swiped at Stivers by saying Republican policies designed to deregulate Wall Street unleashed the disaster that is today's housing crisis.

On the topic of health care, Stivers again may have

»

thrown Kilroy off stride when, instead of adopting the strategy of Republican leaders like John Boehner of Ohio who has vowed to repeal and replace the nation's new health care affordability act, he said the bill needs to be fixed not repealed.

Stivers said that while new taxes and paperwork contained in the bill are unnecessary, improveme,nts could be made through real torte reform and "encouraging real health behaviors" that would help people live more healthy life styles .

.....

He said the bill does a good job on preventions and dOes "some thlllgs right like pre-existing conditiQn~ But he said it doesn't foCi IS 00 costs.

Commenting on tax cuts, Stiver said, "I would extend all the tax cuts. You can't punish success if we want

Kilroy said including a public option would have

~ !:.rought more competition to the industry, and said it'~ shameful that drug companies are making so much money that they can afford to pay companies thjt make generic drugs not to make them.

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Stivers, Kilroy televised debate more tame than torrid - Columbus Government I Examine... Page 4 of 5

more of it."

Kilroy, to no one's surprise, took the opposite tact. She advocated extending tax cuts for the middle class, saying the nation can't afford them for millionaires and billionaires.

Ending the abbreviated debate, Stivers stressed that he has shown he can be bi-partisan by working with

Ohio Democrats while in the Ohio Senate. With maybe 100 freshmen in Congress this year, Stivers said he would reach out to them, unlike Kilroy, ~ho he said has voted with her party 98 percent of the time.

Kilroy repeated the common refrain that Republicans

>

are the "Party of No," and that "we should be angered

,

by that." Saying she passed a medical debt bill with the help of Republicans, Kilroy ended by warning that everyone may "really be afraid of what the next congress will look like."

In a separate news report on Friday on the race between Kilroy and Stivers in Politico, the fact that

Kilroy is behind in the polls, even in her own internal ones, and lags Stivers in the money race, some insiders are saying she's " ... done ... She's toast."

Kilroy was quoted by report author Jonathan Allen

>

saying of Stivers, "He doesn't have core beliefs. He

talks out of both sides of his mouth." For her supposed rancor towards Stivers, Kilroy seemEid pretty tame to him when he sat beside her.

Kilroy and other Democrats will be present Sunday when President Obama and his Wife ril'licl ,elle come to Ohio State University in Columbus to attend a rally

-Democrats hope can light a fire under stUdents and others in their base who turned out in 2008 but who may sit this election out.

Confronted with an election year in which the winds are blowing to the right instead of the left, Kilroy may "find Stivers' more formidable than she did two years-

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Stivers, Kilroy televised debate more tame than torrid - Columbus Government I Examine... Page 5 of 5

ago, when the so-called "Obama Surge" helped hEU

,

and other Democrats win close races in tight districts.

!!.. this year's race is as tight as two years ago KilCQY c-ould stil! win if ot.b.er minority candidates can Win votes that otherwise might go to Stivers. However,

.......

outside of two other candidates who are more right of

Stivers taking enough votes for Kilroy to have a • replay of her close race, the enthusiasm that Q_emocrats enjoyed dmin.g..Obama's historic n In may have redirected itself to Republicans and their Tea Party sidekicks.

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RealClearPolitics - Election 2010: Senate, House & Governor Races

Page 1 of2

Election 2010: Senate, House & Governor Races

(Senate, House Races Ranked in Order of RCP Likelihood to Switch~

(S",," tc - ~9 Dn, 41 !{ 1 1, ND: (Op,",-D)

2. AR: (1..inc<lln-lJ)

3. IN: (Open-D)

4. WI: (Feingold-D)

5. I'A: (Specter-D)

6. co: (Bennet-D)

7. NV: (Reid-D)

8. WV: (Open -D)

9. II.: (Open-D)

10. WA: (Mmrav-]))

11. SA: (Boxcr- D 1

12. (:1': (Open-D)

13. KY: (Open-R)

14. MO: (Open-R)

15. NH: (Open-R) 16.011: (Open-R)

17. FL: (()pen-R)

18. NY: (Glllibrand-D)

19. NC: (Burr-R)

20. IA (Vitter-R)

21. DE: (Open-D)

22. OR: rWyden-D)

23. liZ: (McCain-it)

24. NY: (Schumer-D)

25. L\: (Grassley- R)

> AL: (Shelby-R)

> AK: (Murkowski-R) > GA: (Isakson-R)

> HI: (Inouye-D)

> lD: (Crapo-R)

> KS: (Open-R)

> MD: (Mikulski-D) > OK: (Cobum-R)

> SC: (DeMint·X)

> S[): (Thune-R)

> LIT: (Open-R)

> "'1': (Leahy-D)

1. TN6 (Open-D)

2. LA3 (Open-D)

3. NY29 (Open-D)

4. AR2 (Open-D)

5. Oil,S (Kilroy-D) 6.11..11 (Halvorsen-Dr

7. DE-AI. (Open-R)

8. LA2 (Ca,,··R) 9.1'1.24 (Kosmas-D)

10. K,,:) (Open-D)

11. ND-AL (Pomeroy-D)

12. Oill (Dreihaus-D)

13. PAll (Kanjorski-D)

14. VA5 (Periello-D)

15. MDI (Krato"il-D)

16. PA8 (Murphy-D)

17. TX17 (Edwards-D)

18. C04 (Markey-D) 19.IN8 (Open-D)

20. ARI (Open-D)

21. \VA::) (Open-D)

22. Oll16 (Boccieri-D)

23. MJ I (Open-D)

24. WJ7(Open-D)

25. MSI (Childers-D)

26. PA7 (Open-D)

27. TN8 (Open-D)

28. NH.I (Shea-Porter -I))

29. MI7 (Schauer-D)

30. FL8 (Grayson-D)

31. PAlO (Carney-D)

32. A76 (Mitchell-D)

33. IN9 (Hill-D)

34. VA2 (Nyc-D

35. NC8 (Kissell-D)

36. I'A:l (Dahlkamper-D) 37 .. '\Zl (Kirkpatrick-D)

38. NY19 (Hall-D)

39. WIS (Kagen-D)

40. CO:)(S"lazar-lJ )

41. NYI (Bishop-DJ

42. NM2 (Teague-D)

43. NH2 (Open-D)

44. NV:) (Titus-D) 45.1'1..22 (Klein-D)

46. VA9 (Boucher-D)

47. Il.io (Open-R)

48. FL2 (lloyd-D)

49. Nl'24 (Arcuri-D)

50. PAJ2 (Critz-D)

51. SCs (Spratt-D)

52. ;,104 (Skelton-D)

53. 8DAL (Herselh-Sandlin-D)

54. NYl3 (McMahon-D)

55. HI1 (D_iou-R)

56. AL2 (Bright-D)

(Co"cnwr - 261), 2+1.1,) > AK: (Parnell-Rl

> AI.: (Open-H)

> AR: (Beebe-D)

> 1\Z: (Brewer-R)

> CA: (Open-R)

> CO: (Open-D)

> CT: (Open-R)

> FL: (Open-R)

> GA: (Open-R)

> HI: (Open-R)

> IA: (Culver-D)

> ID: (Otter-R)

> II.: (Quinn-D)

> KS: (Open-D)

> MA: (Patrick-D)

> MD: (O'Malley-D) > ME: (Open-D)

> MI: (Open-D)

> MN: (Open-H)

> NE: (Heinernan-R) > NH: (Lynch-D)

> NM: (Open-D)

> NV: (Gibbons-R) > NY: (Open-I»

> (lE: (Strickland-J.)) > OK: (Open-D)

> OR: (Open-D)

> PA: (Open-D)

> RI: (Open-R)

> SC: (Open-R)

> SD: (Open-R)

> TN: (Open-D)

> 'IX: (Perry- R)

> \'1": (Open-R)

> WI: (Open-D)

> ,V\': (Open-D)

htlp:llwww.realclearpolitics.comlepolls/election_20 1 O/battle _for _ congress.html

10117/2010

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