Согласен что "обязаловка" это совковое решение. Намного проще было бы урезать ВСЕ дотации корпорациям и лишнии военные и другие расходы а на съэкономленные бабки понастроить госпиталей и клиник где стоимость лечения была бы зависима от заработка. И нанять туда врачей/мед персонал на резонную з/п в обмен на прощение их мед. школ. и колледжских долгов.
Ок, давай оперировать фактами.
Со времён Буша-Старшего, один г-дь и история знают, сколко раз конгресс был реповский.;) Далее, никто иной как..guess who? McCain's adviser Phil Gramm пропихнул инциативу to adopt "a financial overhaul" :
Итак ,
в печально известном 1999-м, пока Клинтом был под "расследованием" и на грани импичмента, республиканский конгресс - под шумок самого дорогого в истории человества минета "пропихнул" "the Gramm-Leach-Bliley act" .
" WASHINGTON (AP) -- Split along party lines, the Senate Banking Committee voted Thursday to adopt a financial overhaul bill proposed by Chairman Phil Gramm, R-Texas, and opposed by President Clinton.
It faces a White House veto because Clinton believes the bill, which would lift the Depression-era barriers between banks, securities firms and insurance companies, fails to protect consumers and would hurt community lending laws.
The Clinton administration, represented by Treasury Secretary Robert Rubin, indicated Wednesday its strong support for such legislation. After an all-day drafting session, the House Banking Committee adjourned without completing work on the complex bill. The panel planned to resume the task on Wednesday. Both the House and Senate bills would create huge financial "supermarkets," offering consumers checking accounts, mutual funds, insurance policies and much more. Consumer advocates have expressed concern that the legislation, by allowing banks, brokerage firms and insurers to merge and get more deeply into each other's businesses, could bring a dangerous concentration of economic power in fewer hands. Gramm's measure was adopted and sent to the full Senate by the Banking Committee, 11-9, with only the Republican senators supporting it. Gramm said he regretted that the bill lacked the Democrats' support, and he promised to try to work out the differences. "This is the beginning of the process," he told his colleagues. However, Gramm added, "I am increasingly convinced that the president doesn't want a bill."(c)
Далее,
политика "доступного" жилья
http://www.whitehouse.gov/news/relea...0040809-9.html
"Expanding Homeownership. The President believes that homeownership is the cornerstone of America's vibrant communities and benefits individual families by building stability and long-term financial security. In June 2002, President Bush issued America's Homeownership Challenge to the real estate and mortgage finance industries to encourage them to join the effort to close the gap that exists between the homeownership rates of minorities and non-minorities. The President also announced the goal of increasing the number of minority homeowners by at least 5.5 million families before the end of the decade. Under his leadership, the overall U.S. homeownership rate in the second quarter of 2004 was at an all time high of 69.2 percent. Minority homeownership set a new record of 51 percent in the second quarter, up 0.2 percentage point from the first quarter and up 2.1 percentage points from a year ago. President Bush's initiative to dismantle the barriers to homeownership includes:
American Dream Downpayment Initiative, which provides down payment assistance to approximately 40,000 low-income families;
Affordable Housing. The President has proposed the Single-Family Affordable Housing Tax Credit, which would increase the supply of affordable homes;
Helping Families Help Themselves. The President has proposed increasing support for the Self-Help Homeownership Opportunities Program; and
Simplifying Homebuying and Increasing Education. The President and HUD want to empower homebuyers by simplifying the home buying process so consumers can better understand and benefit from cost savings. The President also wants to expand financial education efforts so that families can understand what they need to do to become homeowners "
И немного статистики:
the explosion of subprime lending:
Total B&C originations
Year (billions)
1995 $65.0
1996 $96.8
1997 $124.5
1998 $150.0
1999 $160.0
2000 $138.0
2001 $173.3
2002 $213.0
2003 $332.0
SOURCE: Inside B&C Lending.
Обрати внимание, что статистические данные заканчиваются 2003 годом. Что было после 2003-го, не мне тебе рассказывать.
(no eto uzhe offtop)
Barack Obama on his girls: "I have men with guns surrounding them at all times, which I'm perfectly happy with..." (c) Why can he protect his family with guns and I can't?
Barack Obama on his girls: "I have men with guns surrounding them at all times, which I'm perfectly happy with..." (c) Why can he protect his family with guns and I can't?
Barack Obama on his girls: "I have men with guns surrounding them at all times, which I'm perfectly happy with..." (c) Why can he protect his family with guns and I can't?
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