Showing posts with label Inside. Show all posts
Showing posts with label Inside. Show all posts

Monday, September 9, 2013

Educating the world (Video)

With millions of people worldwide still unable to read and write, we examine the challenge of global literacy.

Source:Al Jazeera 

 It is described as a basic right and a foundation for life-long learning, but the United Nations says millions of people around the world are still unable to read and write.

Security is challenging all the development processes in Afghanistan, that includes the development process of education .... Still we have hundreds of schools which are closed because of security concerns. And we still have two million children which are out of the schools. They can't go to school because of these problems .... 50 percent of the schools have no buildings ....
Kabir Haqmal, the spokesman for Afghanistan's minister of education
A statement released by the UN's education arm, UNESCO, to mark International Literacy Day said: "Literacy is much more than an educational priority - it is the ultimate investment in the future. We wish to see a century where every child is able to read and to use this skill to gain autonomy."

According to UNESCO, almost 774 million people in the world lack basic reading and writing skills, and of those, almost two-thirds are women and girls.

Some 123 million young people, aged 15 to 24, are unable to read and write, and again the female share is more than 60 percent.

The lowest literacy rates are in south and west Asia, which is home to half of the global illiterate population, and sub-Saharan Africa, which has some of the lowest rates - below 50 percent in 10 countries, and dropping to 25 percent in Guinea.

Providing universal primary education is among the UN's eight Millennium Development Goals, and there has been progress.

By the target year of 2015, two-thirds of adults and three-quarters of youth in sub-Saharan Africa are expected to be able to read and write, and in south and west Asia about nine out of 10 young adults are projected to be literate.

But obstacles remain as the world strives to provide education for all.
So what are the challenges facing UNESCO? Why are so many people still unable to read and write? And what can be done to educate girls and women across the world?

Inside Story, with presenter Shiulie Ghosh, is joined by guests: Jordan Naidoo, a senior adviser on education for the UN children's charity UNICEF, and Kabir Haqmal, the director of Information and spokesman for Afghanistan's minister of education.

"There has been immense progress over the last 10 to 15 years ... but it still needs a lot more attention to providing access [to education] for girls that [is] closer to the communities, where girls don't have to travel too far, because parents and community members see the issue of threats along the way. But [we also need] ... to encourage parents and community members to see the value of education for all children, not just boys.

While literacy rates in general have increased, women still make up over 60 percent of those that are illiterate. There's a number of reasons and one of the main reasons is that even when girls are enrolled often they are forced to drop out for various reasons .... I think one of the main reasons remains social attitudes, but it's also a question of providing infrastructure, schools closer to communities ... we also have to change teaching practices .... The issue is not only about access but also improving the quality of learning .... Often, even when girls are enrolled, they face many other problems - acute discrimination, [a] curriculum [that] is not accurately matched to the needs of all children .... We have to work on access, quality and other measures to ensure that girls not only get into school but actually do learn."

Jordan Naidoo, a senior adviser on education for the UN children's charity UNICEF.

Saturday, September 7, 2013

Why are emerging economies failing? (Video)

Counting the Cost revisits emerging markets and asks who is to blame for falling currencies and rising inflation.

Source:Al Jazeera

 Emerging markets are having a tough time the world over, but who is to blame? Is it the rich world's monetary policies or have more deep-seated problems merely been masked for years by stellar economic growth?

A few months ago, the headline was simple: The blame for slumping currencies from Brazil to Indonesia was to be put firmly at the door of the United States Federal Reserve.

Guido Mantenga, Brazil's finance minister, made it clear when he declared: "We are now facing new turbulence in the financial markets caused by the Fed, which has caused serious problems not only in Brazil but around the world."

But there are those who say all is not as it seems.

In India, for example, Raghuram Rajan, the new governor of the Central Bank, faces an uphill challenge. That country's appetite for gold and oil means that it is running a current account deficit, while subsidies and welfare programmes have increased its budget deficit. And rampant inflation and corruption are only making the situation worse.

Then there is another aspect to this problem. According to Bloomberg, emerging markets, with the exception of China, have more than $2.8tn of currency reserves. But it seems that they are saving that money and using interest rates to stop the outflow of money, which is failing to have the desired impact of slowing a rout in currencies.

At the G20 in St Petersburg, BRICS nations pledged to create a $100bn pool of currency reserves to protect themselves from any shocks. Despite that pledge, China and Russia stressed the need for nations to look within to rebalance their economies, thus ruling out bailouts.

Indonesia is a key example of the troubles afflicting emerging markets. Until a year ago, its economy was doing well. But now its currency has plunged, growth is slowing and inflation is increasing rapidly. The government has announced new economic measures, including the easing of regulations and tax deductions, in a bid to restore investor confidence, but will this be enough to fix one of the most important economies in Asia?
On this edition of Counting the Cost, we revisit the world's falling currencies. But this time we turn the spotlight on emerging economies and ask if they need to share some of the blame for their malaise.

Water wars 
Will the wars of the future be fought over water?

Many of us can simply turn on a tap and have near unlimited access to water. But what happens when this isn't the case? And are many of us oblivious to just what a source of conflict water can be?

Take the River Nile, for example. That flows through 11 African countries and has prompted all sorts of battles for its control. Then there is the River Jordan. Jordan, Israel and the Occupied Palestinian Territories depend on it. And the diversion of the river was one of the causes of the 1967 Arab-Israeli war. The Euphrates River has been at the heart of conflict between Turkey and Syria in the past, while India and Pakistan are in disagreement over the water that flows from Indian-administered Kashmir into Pakistan's Indus River basin.

Will these types of conflicts become more widespread and serious? It is World Water Week, so Counting the Cost decided to take a closer look at a potential source of conflict.

Africa's aviation hub?
If you think of an aviation hub, what comes to mind? London's Heathrow for Europe, Changi Airport in Singapore, or Dubai in the Middle East, perhaps?

But could Nigeria fulfil this role for Africa?

More than 10 million people travel through its 22 airports each year and that number is set to increase to 50 million over the next decade.

China has invested $500m to build more international terminals in the country and to assist with training and investment in virtually every area of the aviation sector.

"Essentially what we want to accomplish, at the end of the day, is to have Nigeria become the natural hub for the region, and then extend it for the continent, because we want to leverage on the population that we have," Princess Stella Adaeze Oduah, Nigeria's minister of aviation, declared.

However, some travellers passing through Nigeria's 22 airports say they are yet to feel the changes and improvements being made in the sector.

"Its been chaotic. I think if there had been a little bit more organisation, in terms of where departures are, arrivals, in terms of customs checks and so forth, it would be a better experience," a passenger named Prithvi told Al Jazeera.

Analysts say previous governments have not been committed to improving the aviation sector, but that this administration is investing heavily in infrastructure and training to get its ambitious ideas off the ground.

So, will the Nigerian government achieve its goal? And if it does, how could this impact the Nigerian economy?

 

Monday, August 12, 2013

OPINION: reality check on the Affordable Care Act

Misleading information, sloppy coverage are confusing the public about Obamacare 

Source: The Center for Public Integrity

By

Not confused enough yet about how much health insurance might cost some of us next year when the consumer protections in Obamacare kick in? Just wait. It’s likely you’ll soon be far more confused — and alarmed — than you already are.

Take, as an example, the CNNMoney story from last week, headlined, “Where Obamacare premiums will soar.” The subhead was equally scary: “Get ready to shell out more money for individual health insurance under Obamacare … in some states, that is.”

The first thing you should keep in mind when you read such stories is that very few Americans will be affected by how much insurers will charge for the individual policies they’ll be selling in the online health insurance marketplaces beginning Oct. 1. The CNN story doesn’t mention, as it should have, that in a country of 315 million people, only 15 million — less than five percent of us — currently buy health insurance on our own through the so-called individual market because it’s not available to us through the workplace.

Although the CNN story focused exclusively on the individual market, nowhere in the story was it explained that, according to the U.S. Census Bureau, the vast majority of Americans — about 55 percent of us — are enrolled in health insurance plans sponsored by our employers. Another 32 percent of us are enrolled in Medicare, Medicaid and other public programs. That means that almost 9 out of 10 of us will not be affected at all by rates insurers will charge next year in the individual market.

The Americans who will be affected most by Obamacare are the millions who are uninsured because they either cannot buy coverage at any price today as a result of pre-existing conditions or they cannot afford what insurers are charging.

Although the CNN story didn’t mention that one of the main reasons for Obamacare was to make it possible for the uninsured to at long last buy affordable coverage, it is the uninsured who will be most directly affected by the reform law, and most likely to benefit. That’s because insurers next year will no longer be able to refuse to sell coverage to people who’ve been sick in the past. And because most people shopping for coverage on the online marketplaces will be eligible for federal subsidies to offset the cost of the premiums.

Not until deep in the CNN story are we informed that “Americans with incomes up to $45,960 for an individual and $94,200 for a family of four will be eligible for federal subsidies.” That’s a huge point to bury, especially considering that the median household income in this country is still just around $50,000. It’s just a small percentage of folks buying coverage through the online insurance marketplaces that will have to pay the full premium price on their own.
Below the headline of the CNN story was a startling graphic showing the states of Ohio and Florida with the numbers 41 percent and 35 percent right below them, leading one to believe that all residents of those states would see their health insurance premiums skyrocket.

As I did my own research of those claims, I found that not only did those numbers apply to just the individual market, but they did not take into account the subsidies that will be available. So not only will very few Ohioans and Floridians see their premiums increase by that much, many if not most will pay less than they do today thanks to the sliding-scale subsidies.
I also found that officials in those states were being disingenuous in the way they calculated their “Obamacare” figures. Ohio and Florida and many other states permit insurers to sell policies today that are so inadequate they will be outlawed beginning Jan. 1. The reason those kinds of policies are being outlawed is because, even though they are profitable for insurers that sell them, people who buy them often find out when it’s too late — after a serious illness or accident — that their policies are essentially worthless.

As The Miami Herald noted in a story about the projected rates announced recently by Florida’s Office of Insurance Regulation, the source for the CNN graphic, “The OIR compared ‘apples to oranges’ by failing to factor into its projections the fact that statewide averages for pre-Obamacare premiums included a wide variety of low-value plans — including plans with extremely limited benefits, such as no prescription drug coverage; and high-deductible plans, where the insured first must pay hefty out-of-pocket costs before the insurer begins to cover services.”

Considering all the intentionally misleading information we are being subjected to about Obamacare from politicians and special interests with an obvious agenda, it will be vitally important for reporters to be more responsible in their reporting. Sensational media stories with attention-grabbing headlines but inadequate analysis will only add to Americans’ confusion about a law that in reality will help the vast majority of us.

Sunday, July 21, 2013

D.C.-based groups spent big in special elections

Source: The Center for Public Integrity

Nearly three-quarters of spending comes from capital region

By

Carpetbagging super PACs and nonprofit groups are dominating this year’s special congressional elections in a potential foreshadowing of the 2014 midterms, where even the sleepiest locales aren’t immune from out-of-state, cash-flush special interests.

Take Massachusetts’ U.S. Senate election, which last month propelled veteran Rep. Ed Markey, D-Mass., to Congress’ upper chamber — and attracted millions of dollars in outside spending from political groups based in California, New York and Florida.

Organizations in Illinois, meanwhile, spent precisely zero dollars to advocate for or against several candidates who vied early this year to replace ex-Rep. Jesse Jackson Jr., D-Ill., while outfits from everywhere but collectively burned through more than $2 million.

South Carolina? The biggest players backing or bashing eventual House seat winner Republican Mark Sanford, or his Democratic opponent, Elizabeth Colbert Busch, weren’t from Columbia or Charleston, but Washington, D.C.

So far this year, just 4 percent of the $12.4 million spent by political groups or party entities on congressional races came from groups based within the state where they’re doing their spending, a Center for Public Integrity analysis of federal independent expenditure data indicates.

Spending by outside groups has become a pivotal element in elections thanks to the Supreme Court’s 2010 ruling in Citizens United v. Federal Election Commission, which allowed super PACs, unions and certain nonprofits to raise and spend unlimited amounts of money to advocate for or against political candidates.

Washington, D.C., is far and away the biggest source of funding. In all, groups with headquarters in the nation’s capital account this year for about two-thirds of independent expenditures on congressional races. That figure jumps to nearly 72 percent when factoring in organizations from New York City and the D.C. suburbs.

Even homegrown groups usually outsource their work: only three-tenths of a percent of independent expenditures come from in-state groups that also used in-state vendors to produce or manage their advertisements and communications, the Center’s analysis shows.

To illustrate the point, in most cases, state lines are irrelevant when it comes to those who pay for independent ads, those who produce them and even where they air. And it's not as if states that hosted special elections aren't home to political consultants.

For example, Independent Women’s Voice,  a Washington, D.C.-based nonprofit, paid Illinois firm Victory Media Group to generate $130,000 worth of television advertisements and telemarketing calls primarily slamming Colbert Busch in South Carolina.

Freestone Communications of Missouri — a state that hosted a special election in June — got $64,250 worth of business from the League of Conservation Voters in Washington, D.C., to make phone calls on behalf of Markey in Massachusetts.

And Progressive U.S.A. Voters of Denver paid Grassroots Voter Outreach of Boston more than $21,000 for canvassing services in Illinois’ District 2 Democratic congressional primary.
Most of it targeted Democrat Debbie Halvorson, who lost badly to fellow Democrat and former state Rep. Robin Kelly, the general election’s eventual winner.

Super PACs and nonprofits played a prominent, and sometimes dominant role in many 2012 congressional races, often injecting hundreds of thousands if not millions of dollars of advertising into the elections and sometimes spending more than the candidates themselves.
This flood of outside cash doesn’t sit well with Tim Buckley of the Massachusetts Republican Party, which is one of just three non-candidate committees active in special elections this year that are both based in the state in which they were active and hired in-state help for their advocacy.

Local consultants know their turf better than outsiders and better parse the political intricacies of a state such as Massachusetts, which while strongly Democratic has still elected plenty of Republicans, Buckley argued.

The party paid Campaign Homebank LLC of Boston more than $31,000 for telemarketing services promoting GOP Senate nominee Gabriel Gomez, who lost last month to Markey. It also hired a separate, Virginia-based firm for similar work, paying it about $143,000.

But some outside groups defend their activity as necessary, even healthy, given that congressional candidates hold sway on issues of national interest that reach far behind district boundaries or state lines.

The New York City-based 501(c)(4) nonprofit 350.org Action Fund, which advocates for fighting climate change, made nearly $50,000 worth of independent expenditures in Massachusetts’ special Senate election Democratic primary, supporting Markey over Rep. Stephen Lynch, D-Mass.

Since the Democratic nominees disagreed about the hot button issue of the Keystone XL Pipeline project, the group threw its support behind Markey for rejecting the pipeline, 350.org Action Fund Media Campaigner Daniel Kessler explained.

“We thought it would be important to show that there would be electoral consequences for those that do not oppose the pipeline,” Kessler said.

Looking toward the 2014 midterm elections, early indicators suggest organizations with few geographic ties to key political battlegrounds plan to participate as much or more than ever.

Liberal 501(c)(4) nonprofit Patriot Majority USA and super PAC Senate Majority PAC — both from Washington, D.C. — have together already made more than $277,000 worth of independent expenditures against Senate Minority Leader Mitch McConnell, R-Ky., who faces a potentially tough re-election fight.

Washington, D.C.-based super PAC Club for Growth Action’s independent expenditures have already exceeded $182,000 in opposing U.S. Sen. Mark Pryor, D-Ark.

In opposing Pryor, Club for Growth Action has used vendors for mail production costs and television ads from a range of states including Washington, D.C., Maryland, Virginia and West Virginia.

It’s a practice Keller called “pretty common,” and that Club for Growth Action chose those vendors because of past experiences working together and locations.

“Do you fly to Alabama to get a mortgage?” he asked. “Do you drive to Minnesota to use to the ATM?”

Erin Quinn contributed to this report.

Thursday, July 4, 2013

NSA Spying on American

 Source: Electronic Frontier Foundation

The US government, with assistance from major telecommunications carriers including AT&T, has engaged in a massive program of illegal dragnet surveillance of domestic communications and communications records of millions of ordinary Americans since at least 2001.

News reports in December 2005 first revealed that the National Security Agency (NSA) has been intercepting Americans’ phone calls and Internet communications. Those news reports, combined with a USA Today story in May 2006 and the statements of several members of Congress, revealed that the NSA is also receiving wholesale copies of American's telephone and other communications records. All of these surveillance activities are in violation of the privacy safeguards established by Congress and the US Constitution.

The evidence also shows that the government did not act alone. EFF has obtained whistleblower evidence [PDF] from former AT&T technician Mark Klein showing that AT&T is cooperating with the illegal surveillance. The undisputed documents show that AT&T installed a fiberoptic splitter at its facility at 611 Folsom Street in San Francisco that makes copies of all emails web browsing and other Internet traffic to and from AT&T customers and provides those copies to the NSA. This copying includes both domestic and international Internet activities of AT&T customers. As one expert observed “this isn’t a wiretap, it’s a country-tap.”

EFF is fighting these illegal activities in the courts. Currently, EFF is representing victims of the illegal surveillance program in Jewel v. NSA, a lawsuit filed in September 2008 seeking to stop the warrantless wiretapping and hold the government and government officials officials behind the program accountable.

Previously, in Hepting v. AT&T, EFF filed the first case against a cooperating telecom for violating its customers' privacy. After Congress expressly intervened in the FISA Amendments Act to allow the Executive to require dismissal of the case, the case was ultimately dismissed by the US Supreme Court.

Saturday, June 29, 2013

After 50 years together, same-sex couple says ‘I do’


Source: MSNBC

Although it’s been five decades, Claude Summers and Ted-Larry Pebworth still remember perfectly the night they met.

The two were in the Boulevard Lounge, a gay bar in Baton Rouge, Louisiana, in the summer of 1963—six years before riots at the Stonewall Inn in New York City effectively launched the modern gay rights movement. Ted was a 27-year-old Ph.D. candidate at Louisiana State University. Claude was 18, home for the summer after finishing his freshman year at UCLA.
“He accuses me of robbing the cradle,” said Ted, now 77, in his Southern drawl. “It was pretty much love at first sight.”

As Claude tells it, the most important decision he anticipated having to make that summer was whether to major in English or pre-law. He never could have imagined the man who bought him a beer that night and talked to him about Tennessee Williams would eventually become his spouse.

On Thursday, nearly 50 years to the day after they first met, Claude and Ted are tying the knot. Not only will the wedding commemorate their golden anniversary—a time when most couples would be renewing their vows, not saying them for the first time—but it will also mark the Supreme Court rulings on two historic marriage equality cases.

For the couple whose relationship has spanned the entire gay rights movement, the decision to marry bridges the political with the deeply personal.

“We just decided that marriage was something both public and private,” said Claude, now 68, whose Louisiana accent rivals that of his soon-to-be spouse. “We don’t need the government for our private relationship, but we wanted to stand with our community and have our relationship honored the same way heterosexual relationships are.”

Claude and Ted are now back in Louisiana, retired after 30-year careers as English professors at the University of Michigan-Dearborn. But their wedding will be held in Provincetown, Massachusetts—the first state to legalize marriage equality through a state Supreme Court ruling nearly a decade ago. Though Louisiana does not recognize same-sex marriages, even those which took place in states that do, the decision to marry in Massachusetts seemed “very natural,” said the couple.

“I was struck by the Goodridge decision, in which the Massachusetts Supreme Court said there can be no second-class citizens, and therefore only marriage would suffice,” said Claude. “So we see it as not only public affirmation for our love to one another, but as a way of asserting our right to first-class citizenship.”

“There is value in having your relationship authorized, in a way,” said Ted. “Especially for gays, who have been denied that right. So that’s the thing I’m most happy about.”

Thursday’s wedding will gather about 40 friends from the couple’s happy life together.

Ted grew up in Homer, Louisiana, “one of the buckles on the Bible belt,” as he describes it. His mother found it hard to accept her son’s sexuality. She used to send Ted newspaper clippings of raids on gay bars. But Ted’s father was surprisingly supportive, even insisting that his son and Claude share a room the first time they came home together for the weekend.

“I never regretted being gay,” said Ted. “I thought everybody should just let me alone, and I’d let them alone.”

Claude, who grew up in Gonzales, Louisiana, said his mother was welcoming, too.
It wasn’t until after 1970 that the couple faced real homophobia that threatened the relationship. The pair was living in Chicago when Claude received a teaching job offer in California. Ted accepted a position there as well. But shortly after, Claude’s offer was rescinded when his employer found out about his sexuality, and the couple was forced to spend a year away from each other.

“I think that was the most difficult time,” said Ted. “Just being alone.”

Claude took a job at the University of Michigan-Dearborn, and a year later, so did Ted. The two flourished there, even receiving a distinguished professorship as a couple after both were nominated.

“It worked out well for us, because we wound up being very happy at the University of Michigan-Dearborn,” said Claude. “We lived normally with a great deal of support. Beyond some isolated incidents, we thought we were very well accepted as a couple.”
In 2001, the pair retired to New Orleans, where they now live with two rescue beagles, who they reluctantly placed in a kennel for their wedding. Both are editors of glbtq.com, a website devoted to gay, lesbian, bisexual, transgender, and queer culture.

“We’ve been through it all,” said Ted. They’ve marched in gay pride parades from New York City to San Francisco and are pleased with the progress the gay rights movement has made.
“I’m not happy with how long it’s taken, but it’s certainly a lot better now than it was then,” said Ted. “I wish it would move faster.”

Wednesday morning, the Supreme Court overturned the Defense of Marriage Act, a 1996 law which did not recognize same-sex marriages on a federal level. Writing the decision, Justice Anthony Kennedy said DOMA violated gay Americans’ equal protection under the law and is thus unconstitutional.

The Court ruling struck down the part of DOMA that prevented the federal government from giving same-sex couples access to thousands of federal benefits. Under this decision, Claude and Ted will now be entitled to receive some of those benefits, because they legally married in Massachusetts. But other benefits—such as tax breaks for married couples, and Social Security survivors’ benefits—depend on where the couple currently lives, which in Claude and Ted’s case is Louisiana. Since the Supreme Court did not issue a broad ruling in the Proposition 8 case, Louisiana will continue to not recognize Claude and Ted’s marriage, and they will lose out on some of those valuable federal benefits.

Nevertheless, the couple still believes their wedding will carry significant meaning and hope for the future.

“I don’t want to weep,” said Claude, trying to articulate how he will feel when finally marrying his partner of 50 years. “We know we’ve loved each other and have been able to do so without ever being married, but also having the community blessing that is involved in marriage adds something. It may be intangible but it’s real.”

Wednesday, June 26, 2013

Texas abortion bill sponsor doesn’t know what a rape kit is

Jodie Laubenberg thinks rape kits are the same thing as abortions, says they allow women to "get cleaned out"

Salon
Leaflets printed with Bible verses littered the desks of Texas lawmakers early Monday as House Republicans voted to approve a sweeping abortion measure that, if passed, would shutter 37 of the state’s 42 abortion clinics.

Senate bill 5 aims to ban abortion after 20 weeks, force clinic doctors to hold admitting privileges at nearby hospitals and restrict abortions to surgical centers, measures that opponents say will virtually outlaw the procedure in the state and deny thousands of women vital medical care.

“If this passes, abortion would be virtually banned in the state of Texas, and many women could be forced to resort to dangerous and unsafe measures,” Cecile Richards, president of Planned Parenthood Action Fund, said in a statement. The Texas Medical Association, the Texas Hospital Association and the American Congress of Obstetricians and Gynecologists also oppose the measure.

Hundreds of protesters filled the Capitol building on Sunday to voice their opposition to the measure, while House Democrats tried to delay the vote by drawing out the debate and adding amendments to alter the bill.

As reported by Chris Tomlinson at the Associated Press, one such amendment would have called for an exemption to the ban in cases of rape and incest; state Rep. Jodie Laubenberg, R-Parker, felt such an exception was unnecessary because “in the emergency room they have what’s called rape kits where a woman can get cleaned out,” she said, incorrectly comparing the procedure to collect physical evidence after a sexual assault to an abortion. “The woman had five months to make that decision, at this point we are looking at a baby that is very far along in its development.”

Following the exchange, Laubenberg, who is also the bill’s sponsor and a member of the state’s public health committee, rejected all proposed changes to the measure. House Republicans then forced a vote. The measure passed 97-33.

Senate Democrats said they will try to stage a filibuster until the special legislative session ends at midnight Tuesday night.

Tuesday, June 25, 2013

President Obama is taking action on climate change (Video/Transcript)

Georgetown University
Washington, D.C.

THE PRESIDENT:  Thank you!  (Applause.)  Thank you, Georgetown!  Thank you so much.  Everybody, please be seated.  And my first announcement today is that you should all take off your jackets.  (Laughter.)  I’m going to do the same.  (Applause.)  It’s not that sexy, now.  (Laughter.)

It is good to be back on campus, and it is a great privilege to speak from the steps of this historic hall that welcomed Presidents going back to George Washington.

I want to thank your president, President DeGioia, who’s here today.   (Applause.)  I want to thank him for hosting us.  I want to thank the many members of my Cabinet and my administration.  I want to thank Leader Pelosi and the members of Congress who are here.  We are very grateful for their support.

And I want to say thank you to the Hoyas in the house for having me back.  (Applause.)  It was important for me to speak directly to your generation, because the decisions that we make now and in the years ahead will have a profound impact on the world that all of you inherit.
On Christmas Eve, 1968, the astronauts of Apollo 8 did a live broadcast from lunar orbit.  So Frank Borman, Jim Lovell, William Anders -- the first humans to orbit the moon -– described what they saw, and they read Scripture from the Book of Genesis to the rest of us back here.  And later that night, they took a photo that would change the way we see and think about our world.

It was an image of Earth -– beautiful; breathtaking; a glowing marble of blue oceans, and green forests, and brown mountains brushed with white clouds, rising over the surface of the moon.
And while the sight of our planet from space might seem routine today, imagine what it looked like to those of us seeing our home, our planet, for the first time.  Imagine what it looked like to children like me.  Even the astronauts were amazed.  “It makes you realize,” Lovell would say, “just what you have back there on Earth.”

And around the same time we began exploring space, scientists were studying changes taking place in the Earth’s atmosphere.  Now, scientists had known since the 1800s that greenhouse gases like carbon dioxide trap heat, and that burning fossil fuels release those gases into the air.  That wasn’t news. But in the late 1950s, the National Weather Service began measuring the levels of carbon dioxide in our atmosphere, with the worry that rising levels might someday disrupt the fragile balance that makes our planet so hospitable.  And what they’ve found, year after year, is that the levels of carbon pollution in our atmosphere have increased dramatically.

That science, accumulated and reviewed over decades, tells us that our planet is changing in ways that will have profound impacts on all of humankind.

The 12 warmest years in recorded history have all come in the last 15 years.  Last year, temperatures in some areas of the ocean reached record highs, and ice in the Arctic shrank to its smallest size on record -- faster than most models had predicted it would.  These are facts.

Now, we know that no single weather event is caused solely by climate change.  Droughts and fires and floods, they go back to ancient times.  But we also know that in a world that’s warmer than it used to be, all weather events are affected by a warming planet.  The fact that sea level in New York, in New York Harbor, are now a foot higher than a century ago -- that didn’t cause Hurricane Sandy, but it certainly contributed to the destruction that left large parts of our mightiest city dark and underwater.

The potential impacts go beyond rising sea levels.  Here at home, 2012 was the warmest year in our history.  Midwest farms were parched by the worst drought since the Dust Bowl, and then drenched by the wettest spring on record.  Western wildfires scorched an area larger than the state of Maryland.  Just last week, a heat wave in Alaska shot temperatures into the 90s.

And we know that the costs of these events can be measured in lost lives and lost livelihoods, lost homes, lost businesses, hundreds of billions of dollars in emergency services and disaster relief.  In fact, those who are already feeling the effects of climate change don’t have time to deny it -- they’re busy dealing with it.  Firefighters are braving longer wildfire seasons, and states and federal governments have to figure out how to budget for that.  I had to sit on a meeting with the Department of Interior and Agriculture and some of the rest of my team just to figure out how we're going to pay for more and more expensive fire seasons.

Farmers see crops wilted one year, washed away the next; and the higher food prices get passed on to you, the American consumer.  Mountain communities worry about what smaller snowpacks will mean for tourism -- and then, families at the bottom of the mountains wonder what it will mean for their drinking water.  Americans across the country are already paying the price of inaction in insurance premiums, state and local taxes, and the costs of rebuilding and disaster relief.

So the question is not whether we need to act.  The overwhelming judgment of science -- of chemistry and physics and millions of measurements -- has put all that to rest.  Ninety-seven percent of scientists, including, by the way, some who originally disputed the data, have now put that to rest.  They've acknowledged the planet is warming and human activity is contributing to it.

So the question now is whether we will have the courage to act before it’s too late.  And how we answer will have a profound impact on the world that we leave behind not just to you, but to your children and to your grandchildren.

As a President, as a father, and as an American, I’m here to say we need to act.  (Applause.)

I refuse to condemn your generation and future generations to a planet that’s beyond fixing.  And that’s why, today, I'm announcing a new national climate action plan, and I'm here to enlist your generation's help in keeping the United States of America a leader -- a global leader -- in the fight against climate change.

This plan builds on progress that we've already made.  Last year, I took office -- the year that I took office, my administration pledged to reduce America's greenhouse gas emissions by about 17 percent from their 2005 levels by the end of this decade.  And we rolled up our sleeves and we got to work. We doubled the electricity we generated from wind and the sun.  We doubled the mileage our cars will get on a gallon of gas by the middle of the next decade.  (Applause.)

Here at Georgetown, I unveiled my strategy for a secure energy future.  And thanks to the ingenuity of our businesses, we're starting to produce much more of our own energy.  We're building the first nuclear power plants in more than three decades -- in Georgia and South Carolina.  For the first time in 18 years, America is poised to produce more of our own oil than we buy from other nations.  And today, we produce more natural gas than anybody else.  So we're producing energy.  And these advances have grown our economy, they've created new jobs, they can't be shipped overseas -- and, by the way, they've also helped drive our carbon pollution to its lowest levels in nearly 20 years.  Since 2006, no country on Earth has reduced its total carbon pollution by as much as the United States of America.  (Applause.)

So it's a good start.  But the reason we're all here in the heat today is because we know we've got more to do.

In my State of the Union address, I urged Congress to come up with a bipartisan, market-based solution to climate change, like the one that Republican and Democratic senators worked on together a few years ago.  And I still want to see that happen.  I'm willing to work with anyone to make that happen.

But this is a challenge that does not pause for partisan gridlock.  It demands our attention now.  And this is my plan to meet it -- a plan to cut carbon pollution; a plan to protect our country from the impacts of climate change; and a plan to lead the world in a coordinated assault on a changing climate.  (Applause.)

This plan begins with cutting carbon pollution by changing the way we use energy -- using less dirty energy, using more clean energy, wasting less energy throughout our economy.

Forty-three years ago, Congress passed a law called the Clean Air Act of 1970.  (Applause.)  It was a good law.  The reasoning behind it was simple:  New technology can protect our health by protecting the air we breathe from harmful pollution.  And that law passed the Senate unanimously.  Think about that -- it passed the Senate unanimously.  It passed the House of Representatives 375 to 1.  I don’t know who the one guy was -- I haven’t looked that up.  (Laughter.)  You can barely get that many votes to name a post office these days.  (Laughter.)

It was signed into law by a Republican President.  It was later strengthened by another Republican President.  This used to be a bipartisan issue.

Six years ago, the Supreme Court ruled that greenhouse gases are pollutants covered by that same Clean Air Act.  (Applause.)  And they required the Environmental Protection Agency, the EPA, to determine whether they’re a threat to our health and welfare. In 2009, the EPA determined that they are a threat to both our health and our welfare in many different ways -- from dirtier air to more common heat waves -- and, therefore, subject to regulation.

Today, about 40 percent of America’s carbon pollution comes from our power plants.  But here’s the thing:  Right now, there are no federal limits to the amount of carbon pollution that those plants can pump into our air.  None.  Zero.  We limit the amount of toxic chemicals like mercury and sulfur and arsenic in our air or our water, but power plants can still dump unlimited amounts of carbon pollution into the air for free.  That’s not right, that’s not safe, and it needs to stop.  (Applause.)

So today, for the sake of our children, and the health and safety of all Americans, I’m directing the Environmental Protection Agency to put an end to the limitless dumping of carbon pollution from our power plants, and complete new pollution standards for both new and existing power plants.  (Applause.)

I’m also directing the EPA to develop these standards in an open and transparent way, to provide flexibility to different states with different needs, and build on the leadership that many states, and cities, and companies have already shown.  In fact, many power companies have already begun modernizing their plants, and creating new jobs in the process.  Others have shifted to burning cleaner natural gas instead of dirtier fuel sources.

Nearly a dozen states have already implemented or are implementing their own market-based programs to reduce carbon pollution.  More than 25 have set energy efficiency targets.  More than 35 have set renewable energy targets.  Over 1,000 mayors have signed agreements to cut carbon pollution.  So the idea of setting higher pollution standards for our power plants is not new.  It’s just time for Washington to catch up with the rest of the country.  And that's what we intend to do.  (Applause.)

Now, what you’ll hear from the special interests and their allies in Congress is that this will kill jobs and crush the economy, and basically end American free enterprise as we know it.  And the reason I know you'll hear those things is because that's what they said every time America sets clear rules and better standards for our air and our water and our children’s health.  And every time, they've been wrong.

For example, in 1970, when we decided through the Clean Air Act to do something about the smog that was choking our cities -- and, by the way, most young people here aren't old enough to remember what it was like, but when I was going to school in 1979-1980 in Los Angeles, there were days where folks couldn't go outside.  And the sunsets were spectacular because of all the pollution in the air.

But at the time when we passed the Clean Air Act to try to get rid of some of this smog, some of the same doomsayers were saying new pollution standards will decimate the auto industry.  Guess what -- it didn’t happen.  Our air got cleaner.

In 1990, when we decided to do something about acid rain, they said our electricity bills would go up, the lights would go off, businesses around the country would suffer -- I quote -- “a quiet death.”  None of it happened, except we cut acid rain dramatically.

See, the problem with all these tired excuses for inaction is that it suggests a fundamental lack of faith in American business and American ingenuity.  (Applause.)  These critics seem to think that when we ask our businesses to innovate and reduce pollution and lead, they can't or they won't do it.  They'll just kind of give up and quit.  But in America, we know that’s not true.  Look at our history.

When we restricted cancer-causing chemicals in plastics and leaded fuel in our cars, it didn’t end the plastics industry or the oil industry.  American chemists came up with better substitutes.  When we phased out CFCs -- the gases that were depleting the ozone layer -- it didn’t kill off refrigerators or air-conditioners or deodorant.  (Laughter.)  American workers and businesses figured out how to do it better without harming the environment as much.

The fuel standards that we put in place just a few years ago didn’t cripple automakers.  The American auto industry retooled, and today, our automakers are selling the best cars in the world at a faster rate than they have in five years -- with more hybrid, more plug-in, more fuel-efficient cars for everybody to choose from.  (Applause.)

So the point is, if you look at our history, don’t bet against American industry.  Don’t bet against American workers.  Don’t tell folks that we have to choose between the health of our children or the health of our economy.  (Applause.)

The old rules may say we can’t protect our environment and promote economic growth at the same time, but in America, we’ve always used new technologies -- we’ve used science; we’ve used research and development and discovery to make the old rules obsolete.

Today, we use more clean energy –- more renewables and natural gas -– which is supporting hundreds of thousands of good jobs.  We waste less energy, which saves you money at the pump and in your pocketbooks.  And guess what -- our economy is 60 percent bigger than it was 20 years ago, while our carbon emissions are roughly back to where they were 20 years ago.

So, obviously, we can figure this out.  It’s not an either/or; it’s a both/and.  We’ve got to look after our children; we have to look after our future; and we have to grow the economy and create jobs.  We can do all of that as long as we don’t fear the future; instead we seize it.  (Applause.)

And, by the way, don’t take my word for it -- recently, more than 500 businesses, including giants like GM and Nike, issued a Climate Declaration, calling action on climate change “one of the great economic opportunities of the 21st century.”  Walmart is working to cut its carbon pollution by 20 percent and transition completely to renewable energy.  (Applause.)  Walmart deserves a cheer for that.  (Applause.)  But think about it.  Would the biggest company, the biggest retailer in America -- would they really do that if it weren’t good for business, if it weren’t good for their shareholders?

A low-carbon, clean energy economy can be an engine of growth for decades to come.  And I want America to build that engine.  I want America to build that future -- right here in the United States of America.  That’s our task.  (Applause.)

Now, one thing I want to make sure everybody understands -- this does not mean that we’re going to suddenly stop producing fossil fuels.  Our economy wouldn’t run very well if it did.  And transitioning to a clean energy economy takes time.  But when the doomsayers trot out the old warnings that these ambitions will somehow hurt our energy supply, just remind them that America produced more oil than we have in 15 years.  What is true is that we can’t just drill our way out of the energy and climate challenge that we face.  (Applause.)  That’s not possible.

I put forward in the past an all-of-the-above energy strategy, but our energy strategy must be about more than just producing more oil.  And, by the way, it’s certainly got to be about more than just building one pipeline.  (Applause.)

Now, I know there’s been, for example, a lot of controversy surrounding the proposal to build a pipeline, the Keystone pipeline, that would carry oil from Canadian tar sands down to refineries in the Gulf.  And the State Department is going through the final stages of evaluating the proposal.  That’s how it’s always been done.  But I do want to be clear:  Allowing the Keystone pipeline to be built requires a finding that doing so would be in our nation’s interest.  And our national interest will be served only if this project does not significantly exacerbate the problem of carbon pollution.  (Applause.)  The net effects of the pipeline’s impact on our climate will be absolutely critical to determining whether this project is allowed to go forward.  It’s relevant.

Now, even as we’re producing more domestic oil, we’re also producing more cleaner-burning natural gas than any other country on Earth.  And, again, sometimes there are disputes about natural gas, but let me say this:  We should strengthen our position as the top natural gas producer because, in the medium term at least, it not only can provide safe, cheap power, but it can also help reduce our carbon emissions.

Federally supported technology has helped our businesses drill more effectively and extract more gas.  And now, we'll keep working with the industry to make drilling safer and cleaner, to make sure that we're not seeing methane emissions, and to put people to work modernizing our natural gas infrastructure so that we can power more homes and businesses with cleaner energy.

The bottom line is natural gas is creating jobs.  It's lowering many families' heat and power bills.  And it's the transition fuel that can power our economy with less carbon pollution even as our businesses work to develop and then deploy more of the technology required for the even cleaner energy economy of the future.

And that brings me to the second way that we're going to reduce carbon pollution -- by using more clean energy.  Over the past four years, we've doubled the electricity that we generate from zero-carbon wind and solar power.  (Applause.)  And that means jobs -- jobs manufacturing the wind turbines that now generate enough electricity to power nearly 15 million homes; jobs installing the solar panels that now generate more than four times the power at less cost than just a few years ago.

I know some Republicans in Washington dismiss these jobs, but those who do need to call home -- because 75 percent of all wind energy in this country is generated in Republican districts. (Laughter.)  And that may explain why last year, Republican governors in Kansas and Oklahoma and Iowa -- Iowa, by the way, a state that harnesses almost 25 percent of its electricity from the wind -- helped us in the fight to extend tax credits for wind energy manufacturers and producers.  (Applause.)  Tens of thousands good jobs were on the line, and those jobs were worth the fight.

And countries like China and Germany are going all in in the race for clean energy.  I believe Americans build things better than anybody else.  I want America to win that race, but we can't win it if we're not in it.  (Applause.)

So the plan I'm announcing today will help us double again our energy from wind and sun.  Today, I'm directing the Interior Department to green light enough private, renewable energy capacity on public lands to power more than 6 million homes by 2020.  (Applause.)

The Department of Defense -- the biggest energy consumer in America -- will install 3 gigawatts of renewable power on its bases, generating about the same amount of electricity each year as you'd get from burning 3 million tons of coal.  (Applause.)

And because billions of your tax dollars continue to still subsidize some of the most profitable corporations in the history of the world, my budget once again calls for Congress to end the tax breaks for big oil companies, and invest in the clean-energy companies that will fuel our future.  (Applause.)

Now, the third way to reduce carbon pollution is to waste less energy -- in our cars, our homes, our businesses.  The fuel standards we set over the past few years mean that by the middle of the next decade, the cars and trucks we buy will go twice as far on a gallon of gas.  That means you’ll have to fill up half as often; we’ll all reduce carbon pollution.  And we built on that success by setting the first-ever standards for heavy-duty trucks and buses and vans.  And in the coming months, we’ll partner with truck makers to do it again for the next generation of vehicles.

Meanwhile, the energy we use in our homes and our businesses and our factories, our schools, our hospitals -- that’s responsible for about one-third of our greenhouse gases.  The good news is simple upgrades don’t just cut that pollution; they put people to work -- manufacturing and installing smarter lights and windows and sensors and appliances.  And the savings show up in our electricity bills every month -- forever.  That’s why we’ve set new energy standards for appliances like refrigerators and dishwashers.  And today, our businesses are building better ones that will also cut carbon pollution and cut consumers’ electricity bills by hundreds of billions of dollars.

That means, by the way, that our federal government also has to lead by example.   I’m proud that federal agencies have reduced their greenhouse gas emissions by more than 15 percent since I took office.  But we can do even better than that.  So today, I’m setting a new goal:  Your federal government will consume 20 percent of its electricity from renewable sources within the next seven years.  We are going to set that goal.  (Applause.)

We’ll also encourage private capital to get off the sidelines and get into these energy-saving investments.  And by the end of the next decade, these combined efficiency standards for appliances and federal buildings will reduce carbon pollution by at least three billion tons.  That’s an amount equal to what our entire energy sector emits in nearly half a year.

So I know these standards don’t sound all that sexy, but think of it this way:  That’s the equivalent of planting 7.6 billion trees and letting them grow for 10 years -- all while doing the dishes.  It is a great deal and we need to be doing it. (Applause.)

So using less dirty energy, transitioning to cleaner sources of energy, wasting less energy through our economy is where we need to go.  And this plan will get us there faster.  But I want to be honest -- this will not get us there overnight.  The hard truth is carbon pollution has built up in our atmosphere for decades now.  And even if we Americans do our part, the planet will slowly keep warming for some time to come.  The seas will slowly keep rising and storms will get more severe, based on the science.  It's like tapping the brakes of a car before you come to a complete stop and then can shift into reverse.  It's going to take time for carbon emissions to stabilize.

So in the meantime, we're going to need to get prepared.  And that’s why this plan will also protect critical sectors of our economy and prepare the United States for the impacts of climate change that we cannot avoid.  States and cities across the country are already taking it upon themselves to get ready.  Miami Beach is hardening its water supply against seeping saltwater.  We’re partnering with the state of Florida to restore Florida’s natural clean water delivery system -- the Everglades.

The overwhelmingly Republican legislature in Texas voted to spend money on a new water development bank as a long-running drought cost jobs and forced a town to truck in water from the outside.

New York City is fortifying its 520 miles of coastline as an insurance policy against more frequent and costly storms.  And what we’ve learned from Hurricane Sandy and other disasters is that we’ve got to build smarter, more resilient infrastructure that can protect our homes and businesses, and withstand more powerful storms.  That means stronger seawalls, natural barriers, hardened power grids, hardened water systems, hardened fuel supplies.

So the budget I sent Congress includes funding to support communities that build these projects, and this plan directs federal agencies to make sure that any new project funded with taxpayer dollars is built to withstand increased flood risks.

And we’ll partner with communities seeking help to prepare for droughts and floods, reduce the risk of wildfires, protect the dunes and wetlands that pull double duty as green space and as natural storm barriers.  And we'll also open our climate data and NASA climate imagery to the public, to make sure that cities and states assess risk under different climate scenarios, so that we don’t waste money building structures that don’t withstand the next storm.

So that's what my administration will do to support the work already underway across America, not only to cut carbon pollution, but also to protect ourselves from climate change.  But as I think everybody here understands, no nation can solve this challenge alone -- not even one as powerful as ours.  And that’s why the final part of our plan calls on America to lead -- lead international efforts to combat a changing climate.  (Applause.)

And make no mistake -- the world still looks to America to lead.  When I spoke to young people in Turkey a few years ago, the first question I got wasn't about the challenges that part of the world faces.  It was about the climate challenge that we all face, and America's role in addressing it.  And it was a fair question, because as the world's largest economy and second-largest carbon emitter, as a country with unsurpassed ability to drive innovation and scientific breakthroughs, as the country that people around the world continue to look to in times of crisis, we've got a vital role to play.  We can't stand on the sidelines.  We've got a unique responsibility.  And the steps that I've outlined today prove that we're willing to meet that responsibility.

Though all America's carbon pollution fell last year, global carbon pollution rose to a record high.  That’s a problem.  Developing countries are using more and more energy, and tens of millions of people entering a global middle class naturally want to buy cars and air-conditioners of their own, just like us.  Can't blame them for that.  And when you have conversations with poor countries, they'll say, well, you went through these stages of development -- why can't we?

But what we also have to recognize is these same countries are also more vulnerable to the effects of climate change than we are.  They don’t just have as much to lose, they probably have more to lose.

Developing nations with some of the fastest-rising levels of carbon pollution are going to have to take action to meet this challenge alongside us.  They're watching what we do, but we've got to make sure that they're stepping up to the plate as well.  We compete for business with them, but we also share a planet.  And we have to all shoulder the responsibility for keeping the planet habitable, or we're going to suffer the consequences -- together.

So to help more countries transitioning to cleaner sources of energy and to help them do it faster, we're going to partner with our private sector to apply private sector technological know-how in countries that transition to natural gas.  We’ve mobilized billions of dollars in private capital for clean energy projects around the world.

Today, I'm calling for an end of public financing for new coal plants overseas -- (applause) -- unless they deploy carbon-capture technologies, or there's no other viable way for the poorest countries to generate electricity.  And I urge other countries to join this effort.

And I'm directing my administration to launch negotiations toward global free trade in environmental goods and services, including clean energy technology, to help more countries skip past the dirty phase of development and join a global low-carbon economy.  They don’t have to repeat all the same mistakes that we made.  (Applause.)

We've also intensified our climate cooperation with major emerging economies like India and Brazil, and China -- the world’s largest emitter.  So, for example, earlier this month, President Xi of China and I reached an important agreement to jointly phase down our production and consumption of dangerous hydrofluorocarbons, and we intend to take more steps together in the months to come.  It will make a difference.  It’s a significant step in the reduction of carbon emissions.  (Applause.)

And finally, my administration will redouble our efforts to engage our international partners in reaching a new global agreement to reduce carbon pollution through concrete action.  (Applause.)

Four years ago, in Copenhagen, every major country agreed, for the first time, to limit carbon pollution by 2020.  Two years ago, we decided to forge a new agreement beyond 2020 that would apply to all countries, not just developed countries.

What we need is an agreement that’s ambitious -- because that’s what the scale of the challenge demands.  We need an inclusive agreement -– because every country has to play its part.  And we need an agreement that’s flexible -- because different nations have different needs.  And if we can come together and get this right, we can define a sustainable future for your generation.

So that’s my plan.  (Applause.)  The actions I’ve announced today should send a strong signal to the world that America intends to take bold action to reduce carbon pollution.  We will continue to lead by the power of our example, because that’s what the United States of America has always done.

I am convinced this is the fight America can, and will, lead in the 21st century.  And I’m convinced this is a fight that America must lead.  But it will require all of us to do our part. We’ll need scientists to design new fuels, and we’ll need farmers to grow new fuels.  We’ll need engineers to devise new technologies, and we’ll need businesses to make and sell those technologies.  We’ll need workers to operate assembly lines that hum with high-tech, zero-carbon components, but we’ll also need builders to hammer into place the foundations for a new clean energy era.

We’re going to need to give special care to people and communities that are unsettled by this transition -- not just here in the United States but around the world.  And those of us in positions of responsibility, we’ll need to be less concerned with the judgment of special interests and well-connected donors, and more concerned with the judgment of posterity.  (Applause.)  Because you and your children, and your children’s children, will have to live with the consequences of our decisions.

As I said before, climate change has become a partisan issue, but it hasn’t always been.  It wasn’t that long ago that Republicans led the way on new and innovative policies to tackle these issues.  Richard Nixon opened the EPA.  George H.W. Bush declared -- first U.S. President to declare -- “human activities are changing the atmosphere in unexpected and unprecedented ways.”  Someone who never shies away from a challenge, John McCain, introduced a market-based cap-and-trade bill to slow carbon pollution.

The woman that I’ve chosen to head up the EPA, Gina McCarthy, she’s worked -- (applause) -- she’s terrific.  Gina has worked for the EPA in my administration, but she’s also worked for five Republican governors.  She’s got a long track record of working with industry and business leaders to forge common-sense solutions.  Unfortunately, she’s being held up in the Senate. She’s been held up for months, forced to jump through hoops no Cabinet nominee should ever have to –- not because she lacks qualifications, but because there are too many in the Republican Party right now who think that the Environmental Protection Agency has no business protecting our environment from carbon pollution.  The Senate should confirm her without any further obstruction or delay.  (Applause.)

But more broadly, we’ve got to move beyond partisan politics on this issue.  I want to be clear -- I am willing to work with anybody –- Republicans, Democrats, independents, libertarians, greens -– anybody -- to combat this threat on behalf of our kids. I am open to all sorts of new ideas, maybe better ideas, to make sure that we deal with climate change in a way that promotes jobs and growth.

Nobody has a monopoly on what is a very hard problem, but I don’t have much patience for anyone who denies that this challenge is real.  (Applause.)  We don’t have time for a meeting of the Flat Earth Society.  (Applause.)  Sticking your head in the sand might make you feel safer, but it’s not going to protect you from the coming storm.  And ultimately, we will be judged as a people, and as a society, and as a country on where we go from here.

Our founders believed that those of us in positions of power are elected not just to serve as custodians of the present, but as caretakers of the future.  And they charged us to make decisions with an eye on a longer horizon than the arc of our own political careers.  That’s what the American people expect.  That’s what they deserve.

And someday, our children, and our children’s children, will look at us in the eye and they'll ask us, did we do all that we could when we had the chance to deal with this problem and leave them a cleaner, safer, more stable world?  And I want to be able to say, yes, we did.  Don’t you want that?  (Applause.)

Americans are not a people who look backwards; we're a people who look forward.  We're not a people who fear what the future holds; we shape it.  What we need in this fight are citizens who will stand up, and speak up, and compel us to do what this moment demands.

Understand this is not just a job for politicians.  So I'm going to need all of you to educate your classmates, your colleagues, your parents, your friends.  Tell them what’s at stake.  Speak up at town halls, church groups, PTA meetings.  Push back on misinformation.  Speak up for the facts.  Broaden the circle of those who are willing to stand up for our future.  (Applause.)

Convince those in power to reduce our carbon pollution.  Push your own communities to adopt smarter practices.  Invest.  Divest.  (Applause.)  Remind folks there's no contradiction between a sound environment and strong economic growth.  And remind everyone who represents you at every level of government that sheltering future generations against the ravages of climate change is a prerequisite for your vote.  Make yourself heard on this issue.  (Applause.)

I understand the politics will be tough.  The challenge we must accept will not reward us with a clear moment of victory.  There’s no gathering army to defeat.  There's no peace treaty to sign.  When President Kennedy said we’d go to the moon within the decade, we knew we’d build a spaceship and we’d meet the goal.  Our progress here will be measured differently -- in crises averted, in a planet preserved.  But can we imagine a more worthy goal?  For while we may not live to see the full realization of our ambition, we will have the satisfaction of knowing that the world we leave to our children will be better off for what we did.

“It makes you realize,” that astronaut said all those years ago, “just what you have back there on Earth.”  And that image in the photograph, that bright blue ball rising over the moon’s surface, containing everything we hold dear -- the laughter of children, a quiet sunset, all the hopes and dreams of posterity  -- that’s what’s at stake.  That’s what we’re fighting for.  And if we remember that, I’m absolutely sure we'll succeed.

Thank you.  God bless you.  God bless the United States of America.  (Applause.)

Sunday, June 23, 2013

President Barack Obama Weekly Address June 22, 2013 (Video/Transcript)



Weekly Address
The White House
June 22, 2013
Hi everybody.  Right now, the United States Senate is debating a bipartisan, commonsense bill that would be an important step toward fixing our broken immigration system.

It’s a bill that would continue to strengthen security at our borders, and hold employers more accountable if they knowingly hire undocumented workers, so they won’t have an unfair advantage over businesses that follow the law.

It’s a bill that would modernize the legal immigration system so that, as we train American workers for the jobs of tomorrow, we’re also attracting the highly skilled entrepreneurs and engineers who grow our economy for everyone.

It’s a bill that would provide a pathway to earned citizenship for the 11 million individuals who are in this country illegally – a pathway that includes passing a background check, learning English, paying taxes and a penalty, then going to the back of the line behind everyone trying to come here legally.

And, a few days ago, a report from the Congressional Budget Office definitively showed that this bipartisan, commonsense bill will help the middle class grow our economy and shrink our deficits, by making sure that every worker in America plays by the same set of rules and pays taxes like everyone else.

According to this independent report, reforming our immigration system would reduce our deficits by almost a trillion dollars over the next two decades.  And it will boost our economy by more than 5 percent, in part because of businesses created, investments made, and technologies invented by immigrants.

This comes on the heels of another report from the independent office that monitors Social Security’s finances, which says that this immigration bill would actually strengthen the long-term health and solvency of Social Security for future generations.

Because with this bill, millions of additional people will start paying more in taxes for things like Social Security and education.  That’ll make the economy fairer for middle-class families.
So that’s what comprehensive immigration reform looks like.  Stronger enforcement.  A smarter legal immigration system.  A pathway to earned citizenship.  A more vibrant, growing economy that’s fairer on the middle class.  And a more stable fiscal future for our kids.

Now, the bill isn’t perfect.  It’s a compromise.  Nobody is going to get everything they want – not Democrats, not Republicans, not me.  But it’s consistent with the principles that I and others have laid out for commonsense reform.  That’s why Republicans and Democrats, CEOs and labor leaders, are saying that now is the time to pass this bill.  If you agree with us, reach out to your Senators and Representatives.  Tell them that the time for excuses is over; it’s time to fix our broken immigration system once and for all.

We can do this, because we are a nation of laws and a nation of immigrants; a place enriched by the contributions of people from all over the world, and stronger for it.  That’s been the story of America from the start.  Let’s keep it going.  Thanks, and have a great weekend.

Wednesday, June 19, 2013

Benefit payment change hurts poor

Fees mount under debit card system

By

The Center for Public Integrity

A government initiative aimed at saving money by eliminating paper checks is hurting some recipients of federal benefits while earning the bank that operates the program millions in fees charged to consumers.

The U.S. Treasury Department has been urging people who collect Social Security and other benefits to switch to direct deposit rather than rely on mailed checks, to save millions of dollars a year in administrative costs.

But beneficiaries without bank accounts — and even some who do have accounts — are being pressured into using prepaid debit cards offered by Comerica Bank, an effort that is shifting costs to elderly people, veterans and other vulnerable consumers.

The Treasury Department launched the program in 2008, teaming up with the Dallas-based bank to issue the “Direct Express” debit cards in a deal that lacked the open competition or transparency of most federal contracts.

The exclusive agreement — whose financial details are not public — was then renegotiated to make it more lucrative for the bank while Treasury took over responsibilities that were originally Comerica’s.

Now millions of poor people who rely on Social Security and Supplemental Security Income are using debit cards that may be ill-suited to their needs and can cost them more than paper checks or direct deposit to a bank account.

 Meanwhile, Treasury is saving money and Comerica is booking profits.

“To stand in the way of the purpose of the programs is appalling, and that’s really what they’re doing,” says Rebecca Vallas, a Philadelphia attorney who represents federal benefits recipients.
The Senate Special Committee on Aging is holding a hearing Wednesday on the Treasury program and Treasury’s inspector general, its independent, internal watchdog, is looking into the Comerica deal.

Paper or plastic?
It costs the U.S. government $1.05 to print and mail a check, compared with 9 cents for an electronic transfer, according to testimony last year by Richard Gregg, Treasury’s fiscal assistant secretary, who is set to testify at Wednesday’s hearing.

Congress in 1996 ordered Treasury to eliminate paper checks from the federal payments system within three years. That mandate, however, gave the department broad leeway to waive the requirement where it didn’t make sense or would impose hardship.

In 2010, more than 85 percent of all federal payments were electronic, and Treasury officials decided to make a final push to eliminate the remaining checks by March of this year. By then most people on Social Security or SSI were having their payments deposited directly into their bank accounts. Others received benefits on debit payment cards offered by private companies — a choice that can lead to heavy fees.

People who choose to keep receiving paper checks are generally elderly or poor or both, and don’t have bank accounts or access to bank branches. Some mistrust banks because of abuses and failures they observed during the Great Depression or the recent financial crisis.
Others may not understand how electronic payments work.

Treasury didn’t have a good option for them, so it sought a low-cost payment card, eventually selecting Comerica to provide Direct Express.

Government prepaid cards are a fast-growing industry. At least $100 billion was distributed in 2011 on cards for 158 federal, state and local governments’ payment programs, according to a Federal Reserve study published last July. The cards are similar to those issued with checking accounts, but don’t always offer the same consumer protections.

Comerica has issued 9 million government payments cards, including more than 4 million Direct Express cards, making it the second-biggest issuer, according to recent investor presentations. Other top issuers of cards used by states and other governments to deliver payments to consumers include Bank of America, J.P. Morgan Chase, U.S. Bancorp and Citigroup.

Comerica offered to issue the Direct Express cards at no cost to Treasury, spend millions to market them and charge consumers lower fees than most privately issued prepaid cards.
Comerica offered one free ATM withdrawal per month.

Treasury pressure
In January 2011, the government began an all-out push to move the 10.4 million people who were still receiving paper checks to electronic payments, an effort that could eventually save $119 million per year.

Treasury resorted to tactics that advocates for the elderly and disabled say were too pushy and sometimes misleading. Notices papered the walls of Social Security offices and advertisements looped on the offices’ closed circuit televisions, urging people to go electronic, according to Vallas.

A large countdown clock dominated the government’s main webpage for people seeking information about the change, indicating down to the second how long people had before their benefits “may be delivered on Direct Express.”

Government fliers and websites said anyone who failed to use the card or arrange direct deposit would be on the wrong side of the law. “Switching to an electronic payment is not optional — it’s the law,” said David Lebryk, commissioner of Commissioner of the Bureau of the Fiscal Service, in a January press release titled “Time is Running Out.”

In January and February, Treasury mailed thousands of the cards to poor, elderly and disabled people who had not requested them, hoping they would activate them anyway.

A Treasury official, speaking on condition of anonymity to discuss the program candidly, said the department tried to send cards to people living in low-income neighborhoods, because they are less likely to have bank accounts.

People who received cards without requesting them had already received two written notices urging them to pick an electronic payment method. The high-pressure appeals were necessary, Treasury officials say, to get the attention of Americans who cling to paper checks despite decades of opportunities to embrace direct deposit.

Customer service employees were trained to get people to accept Direct Express, regardless of whether it was the best option for them, according to interviews with call center employees who spoke on condition of anonymity and a Center for Public Integrity review of transcripts and recordings of calls to Treasury’s call center.

Operators provided inaccurate information on seven of 10 calls placed in February by a former call center worker who conducted a personal investigation because he was unhappy with how the call center was operated. The worker spoke on condition of anonymity because he had agreed not to discuss it as a condition of employment.

On at least five calls, operators denied that certain groups were allowed to keep receiving paper checks. Several said people who failed to switch to electronic payments would be mailed a card automatically after the March 1 deadline. One told the caller that using direct deposit to a bank account “would incur more fees” than enrolling in Direct Express.

A February memo instructed the call center workers not to offer waivers to callers, allowing them to continue to receive paper checks, “unless they specifically ask for one.” When callers insist they qualify and want to obtain a waiver, operators should transfer the call to a group that would provide that information “ONLY AS A LAST RESORT,” says the memo.

The aggressive campaign worked. By the agency’s self-imposed deadline of March 1, 2013, it had cut the number of paper checks to 3.5 million, saving the government about $79 million per year. If the remaining holdouts went electronic, the government could save another $40 million per year.

Juliet Carter was one of the people who were persuaded to enroll in Direct Express. The 57-year-old former cook, who was living on government disability benefits after being hit by a car five years ago, was spooked by the notices that accompanied her checks urging her to sign up for Direct Express or risk being “out of compliance with the law.”

She phoned the number listed on the flyers and switched to the card. Within months, identity thieves had redirected her benefits to a different account and stolen six months of her income. She was evicted from her apartment and has spent the past few months renting rooms in houses or staying with her sister.

“I’ve learned I can’t trust those cards,” said Carter. She says she prefers a paper check because “it comes direct from Social Security to the mailbox to me, and I feel safer.”

Treasury says the cards are far less susceptible to fraud than paper checks.

In a prepared statement, Treasury spokeswoman Suzanne Elio said, “Electronic payment provides federal beneficiaries a safer, more secure, and convenient method of receiving their benefits as compared to paper check payments, which are considerably more vulnerable to fraud.”

The agency “took great care” in implementing the electronic payment system and sought to provide “strong consumer protections” for people without bank accounts, Elio said.
Social Security and SSI are meant to provide people with secure and accessible income, says Vallas. “They don’t exist for the sake of administrative efficiency or meeting arbitrary number targets.”

Fees mount
Direct Express’ fees are lower than those on most payment cards. Still, they can eat into the benefits of people like Juliet Carter who are living on fixed incomes, often far from banks or ATMs that participate in the Direct Express network.

To get a month’s worth of cash can require three or four ATM transactions because of limits on how much money can be withdrawn at a time. At ATMs participating in Direct Express, customers get one free withdrawal a month before Comerica charges a 90 cent fee. ATMs outside the network can tack on fees of $2 or more.

Direct Express may be a good option for people who don’t have a bank account, as Treasury argues, but almost certainly increases costs for those who do have accounts. Users pay Comerica for most ATM withdrawals, online bill payments and money transfers — services that many banks provide for free.

Yet Treasury and Comerica have pushed the card with such vigor that as of June 2012, more than a million people with bank accounts had nonetheless signed up for Direct Express, according to Gregg’s congressional testimony last year.

Comerica spokesman Wayne Mielke declined to comment for this story. Comerica’s contract with Treasury bars it from discussing the program without Treasury’s permission.

Fees benefit bank
Both Treasury and Comerica have strong incentives to push the Direct Express card. For Treasury, each conversion saves money and moves the government closer to its aim of eliminating checks.

Comerica receives $5 from Treasury for each card it issues, according to several people with direct knowledge of the contract. Treasury redacted this information from copies of the contract provided in response to a Freedom of Information Act request.

Treasury had made direct payments to Comerica totaling more than $22 million as of August 2012, including the $5 fee and other charges, according to data disclosed in response to the FOIA request. The bank stands to collect millions more through ATM withdrawal fees, payments from Visa and MasterCard and the interest earned on money that people haven’t yet withdrawn, which Comerica keeps.

Comerica initially was chosen because it offered to issue cards and provide customer support at no cost to the federal government. After it had won the deal, Comerica reversed course, saying that it was having trouble making money off Direct Express, in part because of the high cost of providing telephone support for people who sometimes call to check their balances multiple times a day, according to two people with knowledge of the matter. The people spoke on condition of anonymity because they were not authorized to discuss it.

Without reopening bidding, Treasury agreed in March 2011 to give Comerica $5 per card, paying retroactively for enrollments since December 2010. Comerica received millions more to beef up its call centers and prepare for additional users. The exclusive contract runs until January 2015.

Treasury’s inspector general wants to k now if the Department acted improperly when it added the $5 per-card fee and other payments. The original contract specified that the government would not guarantee “ANY MINIMUM VOLUME OF BUSINESS, OR LEVEL OF COMPENSATION TO [Comerica] AND SHALL NOT ADJUST THE COMPENSATION ON THE BASIS THAT VOLUME LEVEL DID NOT MEET [Comerica’s] EXPECTATIONS.” (Emphasis in original.)
A spokesman for the inspector general declined to comment. The office does not discuss ongoing audits.

Treasury officials declined to speak on the record about the contract.

Comerica’s contract also required it to enroll people in the program and provide customer service including helping prevent fraud. However, Treasury took over these responsibilities, setting up a parallel call center at the Federal Reserve Bank of Dallas, about a mile from Comerica’s headquarters. Treasury didn’t reduce Comerica’s compensation.

Between October 2011 and the end of August 2012, the Social Security inspector general received more than 18,000 reports of unauthorized changes or suspected attempts to make unauthorized changes to payments. Treasury says it put new procedures in place in January 2012 to reduce fraud. Yet early this year, the Social Security inspector general’s office said it was still receiving more than 50 such reports a day.

Juliet Carter says Comerica failed to root out the fraud and reissue her lost payments despite several requests. At one point, she says, a Comerica representative threatened to investigate her for fraud if she continued to pursue the matter.

Comerica declined to comment on her case. Mielke, the bank’s spokesman, said it does not comment on individual cases, to protect customers’ privacy.

Carter got rid of her Direct Express card, and switched back to paper checks last year. The repeated notices from Treasury continued to scare her, however, and earlier this year she signed up to get her payments on a Rush Card, a private payment card that carries higher fees than Direct Express.

Vallas, her lawyer, helped her apply for a waiver this spring to go back on paper checks.