i am the 2014 president-elect of the national association of realtors. onlyng around, i'm the practitioner in here that actually lists themselves real estate for a living. i have been doing that for 25 years. i live in hot springs national park of arkansas. each of you for helping the national association of realtors start the year off .ith this discussion today we are going to talk about the to payroll. we are going to talk about mortgage lending and what effect the consumer financial protection bureau new rules coming into effect this friday might have on that process. it's an issue that's very important to the real estate industry. it is also very complicated. people have worked long hours to sort out the implications of specific language designed to improve the loan experience for consumers. through it all, there has been a common goal to ensure consumer'' protection from risky loans but maintain their ready access to credit -- a tough balance. we have been very involved in shaping the debate surrounding as for theas well important qualified mortgage

association and undergo a criminal background check. narab will streamline the licensing process for agents and brokers, enabling them to be licensed once under a single high national licensing standard, rather than follow different state standards. this will save time and will save money. the association will set rigorous professional and consumer protection standards including the requirement that all association members undergo criminal background checks and for the first time, continuing education standards for nonresident producers. in addition to setting rigorous standards the association will let agents and brokers renew their license all at once and preserve the ability of regulators to supervise agents and brokers. on average agents sell their products in eight states with many of them serving even more than that. the one-stop licensing compliance mechanism will benefit all agents and brokers but particularly the small agents and brokers who must spend time and money dealing with different standards in different states. a one-stop shop for insurance licensing will help smaller players compete against the big competitors. more opportunity is good for small

i am chris paul leechrome, 2014 president-elect of the national association of realtors. i am the only practitioner here that actually lists themselves real-estate for a living. so i have something i have been doing for 25 years. i live in hot springs national park, arkansas. i want to thank each of you for helping the national association of realtors started the year off with this discussion today. we are going to talk about the ability to pay rule, we are going to talk about mortgage lending and what affect consumer financial protection bureau new rules come in to affect this friday might have on that process. it is an issue that is very important to the real-estate industry. it is also very complicated. many people have worked long hours to sort out the implications of specific language designed to improve the loan experience for consumers. through it all there has been a common goal to ensure consumer protection from risky loans but maintained their ready access to credit. a tough balance. at any hour we have been very involved in shaping the debate surrounding this i

the two governors are currently the chair and vice chair of the national governors association. their remarks and q&a run an hour. >> good morning. i want to thank you for coming to our annual state of the state address by the national governors association. it is my privilege to serve not only as governor of the state of oklahoma, but the national state of governors chair. joining me today is the governor of colorado, governor john hickenlooper. governor, welcome. [applause] as governors, we have to make government work. we do not have the luxury inaction. we have to lead our states while still balancing our budget. we are now midway through the the 113th congress and governors are frustrated. we are doing our part as governors to create jobs and address the challenges facing our states. but we also believe that now it's time for our federal partners to do their part and to take action. at the nga, we call this partner said flexible federalism. it is a willingness to give states fox ability to improve programs and policies and to support them in those efforts. for example, gover

credit union national association, national association of realtors, american bankers association, manufactured housing institute, and the american land title association. >> thank you, madame chair. thank you, gentlemen. your testimony today and for your responses to a lot of good questions. i want to say thank you for what you intend to provide for constituents and for americans across the country. i just find it unfortunate that in today's economy that we're seeing americans being squeezed harder and harder from every different direction, whether it's trying to get a home loan to buy either a new home or upgrade into another home or whether it's health care, whether it's their job seeing stagnant wages, this economy is not working for the american people. and listening to the testimony from you all today, obviously we hear that your customers and consumers across the country are in for another surprise. i would like to drill down into dti a little bit if you could give us some of your thoughts. i found it interesting that cfpb of course sets the threshold for debt income at 43% but the feder

i want to thank the national association of realtors, the national home builders association. naco, the president of naco, national association of county executives was in my office on several occasions, working very hard with elected officials all over the country to raise the flag about this issue and to say it's time to take a pause on biggert-waters, not a complete repeal, not moving back on our reforms but to take a pause to get it right. it's important to get this right. there are too many homes that will be lost, too many families impacted, too many businesses hurt, too many communities that will see a downward spiral from a housing market that is just now recovering after a very difficult national recession. the national league of cities, the american bankers association, the independent community bankers and the independent insurance agents and brokers of america, i really want to thank them. now, there are hundreds of other small organizations, neighborhood groups i'm sure from new jersey to new york, louisiana, homeowners groups that have spoken out and are educatin

-- ofolf of the national a national association joins us. we also take your comments beginning live at 7 a.m. eastern on c-span. >> tomorrow at 11 a.m. eastern, remarks from comedian and political pundit, evan sayet. here is a brief portion from the event. is the mainstream media, has it gotten every major story of our lifetime not just wrong, but as wrong as wrong can be? to prove by begin pointing out one of the good guys. we have an editorial writer for the wall street journal. many years back, he wrote a piece that went something like this. he said in a story ending, looking back at the contemporary journalism leading up to the major event of our lifetime, looking for clues in that reporting as to the major events that are about to transpire, will have found that reporting to be mostly useless. wrong. is he is wrong in that he doesn't go anywhere near far enough. reporting wasn't just useless, but anyone who look for clues at the time wanting to know what might come next around the world will have been led to anticipate exactly the oppos

. >>> speaking of preede dictions, the national association of auto dealers says new car kals will rise >>> gas prices down 3.5 cents over the past two weeks according to the latest survey. and in california prices have fallen 8 cents. >>> men, scruff is in. sales are down. the growing popularity of beards and facial hair is hurting proctor aer & gamble's line. sales were down 8% in razors last year. >>> sports just ahead including highlights and yankee stadium transforms. >>> plus, terrifying moments at the daytona 500. we'll tell you right about it when we come back. k in the book? what? trick number one. look-est over there. ha ha. made-est thou look. so end-eth the trick. hey.... yes.... geico. fifteen minutes could save you... well, you know. [ male announcer ] when you feel good, no one is immune. emergen-c has more vitamin c than 10 oranges plus other antioxidants and electrolytes to help you come down with a serious case of healthy. emergen-c. making healthy contagious. to help you come down with a serious case of healthy. we've crafted our power bowls to help you power your day

the national association representing local government jurisdictions and consortiums and those that see communications and broadband technology. both of them find in sf parks. i would like to thank sfgtv for producing our videos and mark who both do so much to give us, help tell our stories. the videos can be found on youtube by search sf parks. i'm proud to announce the graduation. the green ageers accomplishments of 2013-2014 term. the green ageers term is made possible by the san francisco alliance and improving their role in communities open space. an as team of motivated youth, they work with the southeast sector of the city and hosting volunteers and they gain everyday skills applicable to everyday life. i want to give advanced congratulations to this years class and commissioners you are invited to join me at the ceremony -- on january 8th. i want to say to the commission and staff and park volunteers and park advocates, happy holidays! >> thank you, sir. technical difficulties with this month in parks. if we get it fix, we'll show it, otherwise there will be one next month. ther

. >> we will be visiting next month with the national association of secretaries of state and the nationalssociation of state directors when they have their washington meetings is another example of that. i thought people used to have meetings. apparently now they have convenings. >> i was wondering whether you found any of the problems that result from the fact that there are no commissioners of eac and did any of the problems resolved that? >> well i mean you can take the first shot. >> locally to the situation around the eac and again the eac is certain functions. if you look at reporting take for example the best practices that euro it uses. we found it extraordinarily helpful. we went through them and we include them in their fantasies and recite them in our reports so eac has done some very good work. it also has a research function. the complex about which we are not as the commission expected to express an opinion that has left the eac without an ability to function. you have to take is a given one may look at something like machine technology so you can have a few that you want th

the national association of secretaries of state has a particularly good program. we were impressed by what others had done before and did not need to add to that. >> one thing that is in the body of the report is that they will start specifying what the contingency plans are so that the ball will just drop and do not have an answer. the same with having someone in charge to make the call to whether an election has to be rescheduled. there is a specific report that would point people to. >> first responders came from all over the country. it inc. the first responders flexibility getting them to vote absentee is a no excuse state. we all thought sandy would go to new jersey whatever, they need help as well. >> that was really critical. many states already have in place where if the issue hits their own state, they have a new place on what will happen in their state. in arizona we send people to the east coast. there was a real moment where we talked about not only has to happen if the date of the election is impacted, but infrastructure is in fact did. it is really

. >> everybody knows about the national rifle association is a limit the national broadcasting associationism or fear some lobby. >> because the head of the sec head under clinton william canard went around the country friday unanimous support to have local commercial broadcasters give free time to candidates to draw people into the elections he was told in so many terms come i interviewed him that if he continued this it would end his political career and sec could lose funding from congress. that was in the 1990's nelson said the revenue has increased dramatically about what is striking is these are not mom and pop stations you think mr. and mrs. mcgillicuddy but they're owned by age or 10 of the largest companies in the country disney, comcast, news corporation and what has happened this is where it gets cenacle and shameless. they get the of broadcast licenses and there is something of the public-interest they just would not do to make as much money as possible that is why they get the license to have the monopoly. and the sec has to find the highest form of public service for the bow wer

the national association of counties, the national league of cities, and the california state association of counties. currently we are sharing those expenditures with the enterprise departments. we understand that the california state association of counties has raised their fee by an additional $40,000. i will work with the committee in january to discern whether or not the committee is interested in funding that increase in the department's budget. second to last, information technology. the department needs a new file server at a cost of 14,000 and maintenance for our aab, online system, which phase 1 is completed and we are now moving into phase 2 and we're on target for that project. we will need an additional 24,000 for that project. and finally, other recommendations by the committee, i'm happy to work with the committee as well as members of the board over the next several weeks to ensure that further guidelines that the department is interested in seeing be placed in the budget is, in fact, prepared so that when they bring it back to you in january, it will be close to being com

it's all contained in the appendix, the national association of savage's estate has a particularly good program. 's we did look at it. we were impressed by what others have done before, going to need to add to that. >> one thing, states need to start specify what the contingency plans are, so that for rescheduling elections in the event of a disaster. sometimes the ball is just going to drop and get don't have an answer. same as with having someone in charge who makes the call as to whether an election has to be rescheduled. but there's a national association of sector is states task force that we point people to. >> sandy hit certain parts of the country by of the country but first response came from all over the coach. giving us firs first responderse flexibility and other states back home about them to vote absentee to give them the ability to do that if they're in a no excuse stay, that was something for us to rely on. saint kitts new jersey, whatever, but the folks in ohio became to help out, they need some help as well. >> that was critical. many states have in place where, if a n

my first meeting at the national association for the advance of colored people the naacp i was very, very young. there were a lot of members of the community there. alex was the president at the time. i raised my hand and proposed an idea and was shot down all of a sudden out of no where this petite young yelled we support young people and listens to this child she's our future and she went on and on. i said is that ms. rogers? i asked that because her name had been in honor household grouping. my grandmother would tell us stories about how ms. rogers did this and that. low and behold it was ms. rogers. when i had an opportunity to be part of the redevelopment allocation i made a phone call and rooerd jones but ms. rogers said this will be great for the community but you have to do what you think is best for you if you can be an advocate for the community then i support you. i was able to be on this great committee where that folks were at the forefront of approving affordable housing and we were all at the table to name this facility after ms. rogers i was proud to be part of the pr

. >> the national association of broadcasters, which no one knows about. everyone knows about the national rifle association. the national association of broadcasters is treated by politicians in washington as the more fearsome lobby. >> unquestionably. the second head of the fcc commission, william canard, went around the country and found there was of unanimous support to have local broadcasters give free air time to candidates, really draw people into the elections in their community. and he went back to washington, and he was told in so many terms -- i interviewed him on this, it's in the book -- that if he continued, it would ruin his career. it was simply not an issue you could touch in washington. that was in the 1990s. now since then the revenues has increased dramatically, and what's striking about this increase is that these are not ma and pa stations. you say local commercial broadcasters you think mr. and mrs. mcgillicuddy on the station. no, these are owned by about eight to ten of the largest media companies in the country including disney, co

when i worked on wall street, the you needed to keep your nose clean was the national association of security healers. i was not i ware it merged with the regulatory arm of the new york stock exchange. i'm thinking who is this? investors defrauded in the security market. and i started questioning, like, how was it that they had an instewtively i was thinking they must have lick dated funds. i started going down the path. i continued down the path. in the summer of 2009 my blog really started to take off after i saw a case that was file. i read the article in bloomberg. the securities i called the law firm bringing the case. it came to the offices. and i initially spoke to bill anderson, and to john the fella that writes the blog. indeed i am. he said, you're look at the same stuff we're looking at. i said how about that? and continued to track that case. had the good fortune of meeting john and bill and colleague richard greenfield at the court house in the fall of '09. what blew me away of aside from myself and one reporter from bloomberg the that cases weren't being fully covered.

association, national lease housing association, the r street institute, american consumer institute, americans for prosperity. americans for tax reform, coalition to reduce spending, council for citizens against government waste, freedom works, national taxpayers union, taxpayers for common sense, taxpayer protection alliance. you can see there is a combination of fiscal watchdog folks that are very concerned about fiscal prudence as well as people who are concerned about environmental integrity. there's other groups coming on continuously. as i mentioned, every democrat who voted on the biggert-waters reform voted in favor of it. what my amendment does is it preserves the integrity of the reform while softening the blow for the people who would be affected by it. so, i think this is just a very, very important although modest step in doing these two things. and, mr. president, i'm going to ask unanimous consent to temporarily set aside the pending amendment so that i may call up my amendment 2707 with the modification which is at the desk. the presiding officer: without objection,

and that is why you see the national governors association both last year and this your doing something different that we had never done. that is having a state of the states address to the national media and to some of our key groups here in washington, d.c. to talk about some the challenges that our state's face, the challenges we need washington to address and, frankly, our frustration at times that washington does not address those things. and just saying we need a seat at the table to discuss these ideas, to be able to help bring solutions forward. we don't have the luxury of inaction by congress does many times on many key pieces of legislation and serious problems facing our nation. we have to act. we have to balance our budget. we have to work on problems and find those solutions. we believe it's important for governors to sit down not only with the president, vice president, but also the congress and the senate, u.s. house and u.s. senate, to talk about what we're doing in our state. governor hickenlooper and i gave several examples. one is the states came together with the nga

contracts sank almost 9% last monday that's almost a two year low, national association of realtors saying the bad weather in much of the nation kept buyers aware, the group also saying rising home prices and a lack of sellers were factors. exon mobile reporting a big drop in profiteds. saying the fourth quarter earnings fell 16%. they say their aarons r the the full year dipped 27%, they say it is due to a drop in production. profits of $8.4 billion over the last three months of 2013. now to the super bowl, a lot of you will be watching the game. and lots of you will be watching the game, just for the commercials. super bowl advertising has gotten so big, even the super bowl adds have ads. that's an m & m twerking. in one of the many bowl commercials you will see during super bowl xlviii. companies are now paying around $4 million for each 30 second ad. the price of a national commercial has increased more than 70% since 2004, according to advertising rejected firm cancer media. a volkswagen marketing initiative, at 60 crepts the company's ad is twice as long as most. >> i don't look at i

. >> we will be visiting next month with the national association of secretaries of state and the nationalassociation state election directors when they have their washington meeting. i thought people used to have meetings, apparently now they s.ve convening's >> you brought up the issue currently with the eac, and i was wondering whether you found any of the problems coming from the fact that their current not -- there currently are not any commissioners. -- you couldcan take the first shot. [laughter] >> we took the situation around the eac. certain support, for example the best practices. we found them extraordinarily helpful. we have read through them and we include them in our appendices and cite them in our report. so the eac has done some good work. areconflicts about which we not as a commission expected to his present opinion that have left the eac without the current ability to function, we have to take it as a given when we look at something like the impending crisis. you can have the view that he wanted to be in the current form, strengthened or abandoned altogether, but you ha

the number one lobbying victory that you list is -- the national rifle association and the national association for gun rights being one of the top lobbying winners of 2013. guest: essentially, after the tragedy in newtown connecticut -- newtown, connecticut, president obama really took the village -- bully pulpit and tried to advance gun legislation. there was talk of a ban on high- capacity magazines, on assault weapons ban -- an assault weapons ban, and a big push behind universal background checks for gun sales. there was a lot of pressure from the media. there was a bipartisan deal worked out in the senate. it seemed like it was going to happen. the let -- the nra is known as one of the pack -- most powerful lobbying groups in town, and it really earned its stripes last year. it failed in the senate. it wasn't going to go anywhere in the house if they did move in the senate. that is a prime example of defense that was -- achieved in 2013. host: we are talking to kevin bogardus of "the hill" newspaper, talking about top lobbying victories of 2013. we are taking your calls and comments for a

have debates aired locally, and they were strong, the commercial broadcast lobby -- >> the national association of broadcasters, no one knows about it, but everyone knows about the national rifle association. the national association of broadcasters is treated as the more fearsome lobby. >> unquestionably. the head of the fcc then, bill clinton, had better communication system, and william, found around the country support across the political step trouble for commercial broadcast, you know, air time for candidates, draw people into the election of the community, and back in washington, told in so many terms, interviewed him in the book that if he continued this in the political career and go to the fcc, loses funding from congress. it was not an issue you could talk to in washington, and that was in the 1990, and now, since then, the revenues that have gone to the stations increase the dramatically, and what's striking is that these are not ma and pa -- you say local commercial broadcasters, you think of the station, but, no, these are owned by eight to ten of the largest media companies in th

. >> we will be visiting next month with the national association of secretaries of state and the national association state election directors when they have their washington meeting. i thought people used to have meetings, apparently now they have convenings. >> you brought up the issue currently with the eac, and i was wondering whether you found any of the problems coming from the fact that there currently are not any commissioners. >> well, you can -- you could take the first shot. [laughter] >> we took the situation around the eac. the eac has certain support, for example the best practices. we found them extraordinarily helpful. we have read through them and we include them in our appendices and cite them in our report. so the eac has done some good work. the conflicts about which we are not as a commission expected to express an opinion that have left the eac without the current ability to function, we have to take it as a given when we look at something like the technology. like the impending crisis. you can have the view that he wanted to be in the current form, strengthened or a

it is all contained in the appendix, the national association to the secretary of the state as a particularly good program. we did look at it. we were impressed by what others had done before us this. >> one thing that we said is in the value of the report what the contingency plans are so that for rescheduling election in that event, sometimes the ball was going to drop and you don't actually have an answer, the same as with having someone in charge to make a call to whether an election has to be rescheduled, but does the national association taskforce this of the referenced in report that we appoint people to. >> many of us in that area. certain parts of the country, but first responders came from all over. and given us responders flexibility and other states back, love and said those absentee to give them the ability to do that is something that is an eyeopener. the folks in a hiring came to help out, they need some help as well. >> and that was cynical because many states already have in place where if a natural disaster or the issue it's their own state they and then place and what will

according to the national association of business incubators, the number of incubators have blossomed to more than 1,250 across the country. the association says a start-up success rate is 87 percent after going through the rigorous process. compared with 44% that don't. reporting from tampa, florida, i'm jackie keenan, first business news. while many focus on technology, incubators can specialize in everything from the arts to manufacturing. banks could make some "interesting" moves in 2014. nerd wallet , a site that compares credit cards predicts-- more credit cards will offer perks! some credit card companies will offer free fico scores and there will be more zero percent financing and banks will increase efforts to educate consumers. thank you chuck. now, on to a preview of the hot films of 2014. joining me on set is erik childress, our movie man with his top 10 picks. good to have you on the show. > >thank you. > >i'm noticing on your list a lot of remakes and sequels. it's crazy and a little bit disheartening that you think that all the movies coming out next year it seems to be

more cooperation between the states and federal government and that is why you see the national governors associationdoes last year and this you're doing something different was never done. that is having the state address the national media and key groups to talk about some of the challenges our state face of the challenges we need washington to address and frankly her frustration that washington does not address those things and we need a seat at the table to be able to discuss these ideas, to help bring solutions forward. we don't have the luxury of inaction by congress as many times on many key pieces of legislation. we have to act. we have to balance their budget. we have to work on problems we have to find solutions. we believe is for governors to sit with the president and vice president, but also with the congress and the senate. u.s. house and u.s. senate to talk about overdoing on our states. governor hickenlooper and i gave several examples. one is the states came together with the nga to hold 52 different meanings related to health care cost, health care systems, lowering medicaid costs,

the national association of secretaries of state has a particularly good program. we were impressed by what others had done before and did not need to add to that. >> one thing that is in the body of the report is that they will start specifying what the contingency plans are so that in the event of a disaster, sometimes the ball will just drop and you will not have an answer. the same with having someone in charge to make the call to whether an election has to be rescheduled. there is a specific report that we would point people to. >> first responders came from all over the country. giving the first responders flexibility getting them to vote absentee is a no excuse state. we all thought sandy would go to new jersey, whatever, they need help as well. >> that was really critical. many states already have in place where if the issue hits their own state, they have it in place on what will happen in their state. in arizona, we send people to the east coast. there was a real moment where we talked about not only has to happen if the date of the election is impacted,

the national association of theater owners is calling for trailers to be cut down.will be limited to two minutes beginning october 1st but there will be two exemptions per year per movie distributor. trailers for those releases can run up to three minutes. >>> all right, some automotive history on display. in germany, check this out, it's the p1, the first car ever designed by ferdinand porsche. >> it hit the streets in 1898 and the company says it had been sitting in a shed in austria since 1902. the p1 was electric powered and could hit a top speed of 21 miles an hour. as we know, porsches have gotten a lot faster since then. >> that's awesome. >>> finally, procter & gamble says it is about to inject some excitement into brushing your teeth. >> that is thanks to a new line of toothpastes called crest be, which come in flavors such as mint chocolate trek and other flavors in stores in the next few days. >> chocolate toothpaste. okay. >> mint chocolate. that will be interesting. we'll try it. why not. >>> when we come back, courtroom surprise. while on the stand, ac

the national association of counties, the national league of cities, and the california state association of counties. currently we are sharing those expenditures with the enterprise departments. we understand that the california state association of counties has raised their fee by an additional $40,000. i will work with the committee in january to discern whether or not the committee is interested in funding that increase in the department's budget. second to last, information technology. the department needs a new file server at a cost of 14,000 and maintenance for our aab, online system, which phase 1 is completed and we ar

and the amicus in the case wrote a brief to the national association of manufacturers to copy and e-mail me i like to think of this 50 shades of net neutrality. a great weekend reading. about my clients generally, fries and obviously argued against the section 706 power, but the isp generally accepted this is the court ruling that there would be some fcc authority. so, then i want to go to mark's suggestion that there are no rules now on preventing discrimination. it's true there are no fcc rules now. there are other mechanisms though. i think the things consumers worry about with respect to nec neutrality is will my isp sabotage and indeed they are trying to compete with it principally in the voice service and video service, the things the isp tend to do otherwise. if they do, we have the entities right now of preventing it at the competitive theater, the federal trade commission does that. section five of the act gives the fc see the power to take action against the deceptive trade practices. that is what will exist. but the principal power that is going to stop discrimination that we

than six thousand athletes from ninety five countries are expected to attend next month the national association has charged for each google's stock nicola and no coat was making an improper just yet following his nelson stoke when nelson lakes during a goal celebration and a game last month. now he faces a minimum five match ban the findings of the extensive investigation were released a day off to west rome's main show spots a proper tea cocoa super and then the critique on track with the premier league side the club is now considering its options jewish groups in britain condemned to write a note to his celebration at stupid things that delight in the investigation the president of the european jewish congress crochet council said bishop the number of such intolerance and racism in sports. he appealed to the plate to get an elk are the strongest punishment in order to send out a statement to the players to win some in the jewish community have called the punishment exaggerate it. is that it's a it's a b to exaggerate the charge and the co's i believe that too on the just is. don't aim for pla

we don't know wi more on this president and ceo of the national association of federal credit unions. you have been quite outspoken about your views. food you think is to blame it? >> it comes down to the retailer is not protecting the network. a the hacker's guide into the point-of-sale terminal through the network. with strict guidelines of protects the consumer data retailers don't havethat. gerri: national retailer federation said it is not as we need the banks to do more. what could you do? chip and pin? >> that is one area people are moving to budget chip and pin is not the panac. no matter the outcome at the terminal the breach occurred at the network level at the point-of-sale system. of they have to have laws on the books that has to protect consumer information gerri: six national retailers have been hit. not just the target and neiman-marcus is seems you will get a real outcry saying this has to be fixed. so far they have them lackadaisical but what are you prepared to do if it gets ugly? >> i was on the phone this afternoon with the congressman that his phone is ringing of

represents a country of their own agenda on the table for discussion the walls federation of united nations association has preferred this program to give young people the opportunity to explore global challenges the forum iv the names to give you an opportunity to learn more to get inspired. i'm doing. so why is this view is unnecessary to me. just to post pre students have gone through one week of training led by professionals from the two national brands the sins and heals academia and other relevant fields through their participation in this program and in mali united nations. students have learned about the united nations and its work in sustainable development in achieving the end of poverty wasted time called hunger and poverty was the most debated topic. the students agreed that extreme hunger and poverty. x wants access to education health and protection bill is adopted resolutions that would provide school loans to individuals living in poverty in order to help them become economically self sufficient as well as this was too distracted initiatives to buy the less developed countries with stra

of home builders, the national association of realtors, the american bankers association, the independent community bankers of america, the independent insurance agents and brokers of america, the national association of counties, the national league of cities, and the greater new orleans organization incorporated, who have all endorsed our bill. and i specifically want to thank my lead republican cosponsor, senator isakson. i've had the pleasure to work with senator isakson on a number of issues and i've come to respect his honesty and desire to come together and get things done, regardless of the issue. i also want to thank senator landrieu, who's been focused like a hawk on this issue for years now. she is, without a doubt, the senate's preeminent expert on disaster and flooding issues. the people of louisiana are lucky to have such a champion. i saw that expertise firsthand when senator landrieu came to new jersey after sandy struck and worked with us. and i cannot thank her enough for the insights and valuable insight she gave to us as we were dealing with sandy recovery. mr. preside