Did Biden Say People Making Less Than $400K 'Will Not Pay a Single Penny in Taxes'?
In May 2021, a video started to circulate that supposedly showed U.S. President Joe Biden saying that people making less than $400,000 won't have to pay a single penny in taxes.  Joe Biden  This is a genuine clip showing a portion of the remarks Biden delivered during a visit to Tidewater Community College in Portsmouth, Virginia, on May 3, 2021. While the president said that people making under $400,000 would not pay a single penny in taxes during these remarks, that is not what is outlined in the Biden administration's tax plan. Biden misspoke here. A more accurate way of representing his tax plan would have been to say that people making under $400,000 would not see their taxes "raised" by a single penny.  remarks Biden delivered Here's how Fox News reported on this gaffe: Fox News reported President Biden reiterated his pledge that no American earning less than $400,000 would not pay "a single penny" in additional taxes with a slight twist on Monday, after he proposed several tax increases to fund two sweeping spending plans. Biden appeared to mistakenly leave out a key word during his speech at Tidewater Community College  instead saying that no one earning under his specified threshold would pay any taxes. Biden repeatedly promised during his 2020 presidential campaign that people making less than $400,000 "wont pay a penny more in taxes."  repeatedly promised 2020 presidential campaign   This campaign promise was included in Biden's proposal for the American Families Plan that was released in April 2021: released in April 2021 In all, the American Families Plan includes $1.8 trillion in investments and tax credits for American families and children over ten years. It consists of about $1 trillion in investments and $800 billion in tax cuts for American families and workers. Alongside the American Families Plan, the President will be proposing a set of measures to make sure that the wealthiest Americans pay their share in taxes, while ensuring that no one making $400,000 per year or less will see their taxes go up. When combined with President Bidens American Jobs Plan, this legislation will be fully paid for over 15 years, and will reduce deficits over the long term. Biden has repeatedly promised that people making less than $400,000 would not see their taxes raised under his plan. Although a video that showed him saying that people making less than a $400,000 won't "pay a single penny in taxes" is real, the president clearly misspoke during this portion of his speech.
Seventeen-year-old Alyssa Carson has garnered media attention for her determination to be part of a space mission to Mars. But although her desire has been recognized by the National Aeronautics and Space Administration (NASA), she is not officially in training with that organization to become an astronaut or to take part the first human mission to Mars.  Carson first began generating media attention when she was 12, at which point she had already attended three different space shuttle launches and taken part in NASA space camps in three different countries. She was also the first person to complete the Kennedy Space Center Visitor Complex's "Passport to Explore Space" program, which requires visiting each of 14 NASA visitor centers across nine different states in the U.S. The Kennedy Space Center Visitor Complex, though, is managed by a NASA contractor and is not funded by the agency itself. attention complete contractor Completing the "Passport to Explore Space" program also led to Carson's being a panelist at an event hosted by NASA and the Smithsonian, marking ten years of exploration by the Mars Exploration Rovers. As well, Carson has her own call sign," Blueberry." panelist Blueberry However, a NASA spokesperson confirmed to us that Carson is not currently training with or being "prepped" by that agency, as some reports have suggested. Also contrary to some reports, NASA's Astronaut Candidate Program has no age requirement for applications, although according to the agency "astronaut candidates selected in the past have ranged between the ages of 26 and 46, with the average age being 34."  prepped reports age requirement In December 2017, President Donald Trump signed White House Space Policy Directive 1, which his administration said would "lay the foundation" for a mission to Mars. Carson's father, Bert, told Teen Vogue magazine that private companies have "considered" sending her on missions into space  although not to Mars. signed told "If we can find a mission for her in the next two years, she will be the first kid in the world to go to space," he said. "If we can get it together before she's 20, she'll be the first teenager." One private group, Mars One, has already selected Carson to be one of their ambassadors. Carson  wrote on that group's website about her interest in visiting the Red Planet: wrote I would love to go to Mars because it is a planet that no one has been before. It's about the same size as the Earth and there are ice caps at the top and bottom of Mars. That means there is water on Mars. This could possibly be our next Earth. Just think about all the things that are in Space. For example: planets we have never explored, galaxies that we have never heard of, stars that are just babies, black holes that are as wide as the Sun to Pluto multiple times and has the mass of a billion suns, parts of the universe that we have never seen. Just think of all that stuff just floating around. It's more than you can imagine. Quinn, Katra.  "The Making of an Astronaut."
  Astronaut.com.  6 February 2014. Astronaut.com.  "First Person to Complete NASA's Passport Program Is Astronaut.Com's Friend Alyssa Carson."
  26 November 2013. NASA Jet Propulsion Laboratory.  "NASA, Smithsonian Host 10-Year Mars Rover Events."
  6 January 2014. NASA.gov. "New Space Policy Directive Calls for Human Expansion Across Solar System."
  11 December 2017. Krueger, Alyson. "17-Year-Old Alyssa Carson Wants to Be the First Person on Mars."
  Teen Vogue.  21 March 2018. On 18 July 2016 the web site Conservative Daily Post published an article reporting that an "illegal alien" had been fired after she declined to serve police officers at an Alabama McDonald's, declaring that we dont serve pigs. article The outrage-provoking article was set against the backdrop of a month of tensions between police officers and community members in July 2016. The shooting deaths of civilians Alton Sterling and Philando Castile led to national protests, and police officers were killed in ambush shootings in Dallas and Baton Rouge. Alton Sterling Philando Castile Dallas Baton Rouge In that period, several rumors of police officers "shunned" or mistreated at restaurants circulated online. A group of policemen in Pennsylvania said they paid the bill of a couple who refused to sit near them, a sheriff in Washington reported that a Chinese restaurant's owners had said law enforcement was not welcome there, and officers in Baton Rouge maintained that a server at Las Palmas restaurant had put mucus in their drinks.  Pennsylvania reported Las Palmas After those claims became virally popular, Conservative Daily Post asserted: Its pretty sad to look around and see how police officers are being treated right now. They put their lives on the line every single day to defend our freedoms within the local community. We are more than thankful for our military, yet we fail to recognize the very people that keep us safe in our homes at night. Police officers dont get paid a lot either. They knowingly walk into possible gunfights almost every day. They do it because they heard the call to serve. They do it because they are true American patriots. Well, there was just another case of disrespect against cops. In Alabama, last week a cashier decided that she didnt want to serve the cops. Maria Englesia pictured above told the officers to get out of here because they didnt serve pigs. This was blatant. McDonalds stepped in as soon as they heard what happened. They immediately fired the woman and issued a formal apology to the police department of Alabama. Social media users accepted that report at face value: @McDonalds #Illegal Alien Denied Cops Service, We Dont Serve Pigs https://t.co/5n3esRSePy #BoycottMcDonalds @McDonalds #Illegal https://t.co/5n3esRSePy #BoycottMcDonalds  Jan Johnson (@JanJohnsonFL) July 18, 2016 July 18, 2016  Illegal Alien McDonald's clerk tells police: "We don't serve your kind" Get the fuck out of my country, you bitch!! https://t.co/3HGU4ml3ow  obamasucksballs (@obamasucksballs) July 19, 2016 https://t.co/3HGU4ml3ow July 19, 2016  Conservative Daily Post claimed McDonald's had fired the employee and apologized, but no mention of any such controversy (by the company or by commenters) was visible on the hamburger chain's Twitter account, nor on McDonald's Facebook page save for one cryptic comment: Twitter  Aside from the single comment, no one appeared to be asking about any incidents involving a Maria Englesia in Alabama.  Had the story been genuine, it would have generated news coverage from other outlets.  Conservative Daily Post's article also waved another very large red flag:  The image doesn't depict a "Maria Englesia" or anyone else recently fired from any McDonald's, anywhere, for any reason. It's a stock photograph dating to at least 2012:  Conservative Daily News doesn't carry any sort of warning or disclaimer advising readers about hosting fabricated content, but this story was clearly untrue. No public apology was tendered by McDonald's over an employee's purported refusal to serve Alabama cops, no news outlets or blogs reported on the incident, and the image of the woman "pictured above" was a stock photograph swiped from Getty. In late February 2019, a misleading meme was circulated on Facebook that led viewers to ask whether U.S. Senate Majority Leader Mitch McConnell of Kentucky had mysteriously amassed vast wealth in yearly increments to the tune of $2.4 million while in office:   As Senate Majority Leader, McConnell received an annual salary of $193,400, but the Kentucky Republican reported an influx of family wealth between $5 million and $25 million in 2008, according to his financial disclosures. That influx was the result of an inheritance his wife received upon the death of her mother, and that  information has been part of public discourse since 2014, when it became campaign fodder for McConnell's Democratic opponent, Allison Lundergan Grimes: salary  Although the meme and the campaign ad upon which it was likely based were set up to make it seem as if McConnell's wealth increase were the result of his role in the Senate and thus involved unethical or illegal activities, most of his net worth actually derives from his wife, Transportation Secretary Elaine Chao, who hails from a wealthy business family and married McConnell in 1993. Chao is the daughter of James S.C. and Ruth Mulan Chu Chao. Her father is the founder of the New York-based international shipping and trading company Foremost Group, an organization her sister, Angela, chairs. How wealthy is the Chao family? Wealthy enough to have bestowed Harvard Business School with a $40 million gift in 2012. chairs gift According to the non-profit government transparency organization Center for Responsive Politics, McConnell's net worth jumped from an estimated $7.8 million in 2007 to $17 million in 2008, owing entirely to a tax-exempt, money market fund in an account he held jointly with his wife: 2008   As the Washington Post reported in 2014, McConnell's increase in wealth reflected inheritance mone Chao received when her mother passed away in 2007: reported Thats almost a sevenfold increase in 10 years. McConnell has quadrupled his net worth since 2007, when it was $7.8 million. So what happened in 2008? His financial disclosure form tells the storysuddenly there appeared a tax-exempt money market fund, valued at between $5 million and $25 million, listed as a gift from a filers relative. (Look at Line 2 and then Line 3.)   Indeed, a McConnell spokesman confirms that this was an inheritance for McConnells wife, former Labor Secretary Elaine Chao, after her mother died in 2007. Chao, who married McConnell in 1993, earns significant income on her own, serving on corporate boards, and has at least $1 million in a Vanguard 500 Index Fund. (Since these shares are in her name, McConnell only needs to report they have a minimum value of $1 million.) The Center for Responsive Politics estimated McConnell's net worth in 2015, the most recent figure available, to be nearly $27 million. 2015 Kessler, Glenn.  "How Did Mitch McConnells Net Worth Soar?"
  The Washington Post.  22 May 2014. Newmyer, Tory.  "The Secret to Mitch McConnell's Millions."
  Fortune.  20 March 2014. On April 12, 2022, a video went viral on social media that supposedly showed bird poop falling onto U.S. President Joe Biden's shoulder as he was speaking at an event in Iowa. We examined that video and photographs from the event, and collected statements from White House officials and journalists.  Here's what we learned: What landed on Biden's lapel was more likely a corn byproduct than bird poop.  Biden was talking about the Environmental Protection Agency's plan to issue a waiver to allow for the production of E15 (a mixture of gasoline and ethanol) in an effort to lower gas prices, when something wispy and white fell on his left shoulder. A video of the incident quickly went viral on Twitter as many users assumed that a bird had pooped on the president: issue a waiver  But was that really bird poop? Here's what we've been able to find out.  Biden was speaking at POET, a bioprocessing and manufacturing plant in Menlo, Iowa. We have not been able to determine the specific facility in which Biden was speaking, but it's important to note that this was an indoor event (see photo below). POET, a bioprocessing and manufacturing plant Furthermore, Biden was standing directly beside a giant pile of processed corn. In fact, photographs from the event show that corn was actively falling on this pile during Biden's speech:   The above-displayed photograph, taken by Mandel Ngan and available via Getty Images, was captioned: "A mound of processed corn is seen in the background as US President Joe Biden announces steps to ease rising consumer prices at POET Bioprocessing in Menlo, Iowa on April 12, 2022." Mandel Ngan and available via Getty Images Clay Masters, a reporter with Iowa Public Radio, captured additional photos of the scene before Biden's speech.   It certainly seems plausible that what fell onto Biden was a piece of some sort of corn byproduct and not bird poop.  Renewable Fuels Association President and CEO Geoff Cooper was at the event and told AGWired.com, an agriculture news site, that it was definitely distillers dried grain with solubles or DDGS that fell on Biden's lapel. AG Wired reported: "Renewable Fuels Association President and CEO Geoff Cooper was an eyewitness in the distillers grains barn with President Biden and he confirmed it was definitely DDGS responsible for spotting the POTUS lapel. "We did see something falling from the ceiling and it landed right there on his lapel and I can confirm it was not a bird dropping," said Cooper, who took this photo at the event which shows the mound of DDGS off to Biden's left side and the spot on his jacket. It came just as President Biden started to talk about products made in America and the amount of corn used at the Menlo, Iowa POET plant." Shortly after this video went viral, White House communications director Kate Bedingfield posted a message on Twitter stating that it was corn, not bird poop, that fell on Biden's shoulder.  posted a message   Bedingfield said: "If you guys knew your way around a corn silo at all, you'd know it was corn." Justin Sink, Bloomberg's White House correspondent, came to the same conclusion, writing: "It was bits of corn flying around from the corn silo; the event was indoors." Justin Sink, Bloomberg's White House correspondent Iowa's Des Moines Register also reported that Biden's jacket was blemished by what he called "distillers grain," not bird poop.  Iowa's Des Moines Register also reported But it wasn't a "feathered fiend" relieving itself as characterized by the Daily Mail, a British tabloid. While there were birds in the "giant barn" where Biden spoke, according to a Des Moines Register photographer who was in the event in Menlo, Iowa, the substance that stained Biden's jacket was in fact distillers grain. Distillers grain is "a co-product of the ethanol production process," according to the Iowa Iowa Corn Growers Association. The grain was piled 20 feet high at the site of Biden's speech. We examined photographs from Reuters, The Associated Press, and Getty Images to get a closer look at this corn/bird poop. Upon closer examination, the "bird poop" appears to be somewhat yellowish in color (like corn) and looks more like dust (i.e., from corn processing) than a liquid (i.e., bird poop).   Here's a slow motion video capturing the moment of impact:  Friedman, Lisa, and Michael D. Shear. Biden Will Allow Summertime Sales of Higher-Ethanol Gas. The New York Times, 12 Apr. 2022. NYTimes.com, https://www.nytimes.com/2022/04/12/business/economy/biden-ethanol-gas.html. The Internet Says a Bird Pooped on Joe Biden in Iowa. Heres What Really Happened. Des Moines Register, https://www.desmoinesregister.com/story/news/politics/2022/04/13/president-joe-biden-bird-poop-menlo-iowa-visit-distillers-grain/7303450001/. Accessed 13 Apr. 2022. Manno, Adam. Bird Poops on Bidens Shoulder during a Speech on Gas Prices in Iowa. Mail Online, 12 Apr. 2022, https://www.dailymail.co.uk/news/article-10712901/Feathered-fiend-poops-Bidens-shoulder-inside-Iowa-barn-unveils-plan-lower-gas-prices.html. President Joe Biden Announces Policy E-15 Gas At POET Bioprocessing in Menlo. Raccoon Valley Radio - The One to Count On, https://www.raccoonvalleyradio.com/2022/04/13/president-joe-biden-announces-policy-e-15-gas-at-poet-bioprocessing-in-menlo/. Accessed 13 Apr. 2022. President Joe Biden in Iowa OKs More Ethanol Use to Cut Gas Prices, Pitches Plan to Improve Rural America. Des Moines Register, https://www.desmoinesregister.com/story/news/politics/2022/04/12/joe-biden-president-news-iowa-menlo-e-15-ethanol-gas-prices-fuel-poet-epa-joni-ernst/7289524001/. Accessed 13 Apr. 2022. Remarks by President Biden on Lowering Energy Costs for Working Families. The White House, 12 Apr. 2022, https://www.whitehouse.gov/briefing-room/speeches-remarks/2022/04/12/remarks-by-president-biden-on-lowering-energy-costs-for-working-families/. Roche, Darragh. Joe Biden Bird Poop Video Viewed 2M Times as Critics Gleefully Share Clip. Newsweek, 13 Apr. 2022, https://www.newsweek.com/joe-biden-bird-poop-video-viewed-2m-times-critics-gleefully-share-clip-1697470. U.S. President Biden Visits a POET Bioprocessing Plant in Menlo. UnionLeader.Com, https://www.unionleader.com/u-s-president-biden-visits-a-poet-bioprocessing-plant-in-menlo/image_d630c531-5f37-5606-a212-1c21ee2837a0.html. Accessed 13 Apr. 2022. Updated [April 15, 2022]: Added additional reporting from AG Wired. In December 2016, rumors flew about Donald Trump's personal beliefs and connections as he continued to announce picks for his incoming administration. One such rumor was a meme with a quote that purported to be from the President-elect, painting him as a flat-earther: flat-earther   mocked up Speaking to reporters in Baltimore on Monday, following the 138th conference for the National Guard Association of the United States, the Republican Partys presidential nominee revealed that he is a member of a growing population known generally as flat earth truthers. I fly a lot, and I mean a lot. No one flies more than me. Listen, I own a jet. I own a 757, beautiful plane, its the best plane! If the world were round, believe me, I would know! The comments came in response to a question from AP reporter, Charles Darr, regarding the future role of the National Guard, as private companies proliferate space travel. Mr. Trump, if elected, are you willing to increase taxes in order to meet the growing budget demands of the National Guard, as existential threats from our enemies grow along with the advancement of space travel technology? Darr asked. The presidential hopeful replied that such a future is nonsense, adding that the round earth people, and you know who they are, these people have an agenda. CNN.com.de (like many pages of its ilk) is not affiliated with the legitimate news organization CNN. The site uses a web address similar to CNN.com's in order to trick readers into believe that they are reading genuine news items. However, this web site does not publish factual stories. publish While there is no disclaimer on the web site that specifically states its content is fictional, it does provide several hints that its stories are hoaxes. For instance, the provided contact number of (785) 273-0325 does not lead to CNN's, but that of the Westboro Baptist Church.  (785) 273-0325 Claim:  A provision of Obamacare allows federal agents to conduct forced home inspections and remove children from the custody of their parents.  Examples:  [Green, September 2013] Grassfire's Liberty News team is reporting on a little-known aspect of ObamaCare  FORCED HOME INSPECTIONS. Simply put, provisions of ObamaCare allow federal agents to activate forced home inspections. The inspections are being sold as a simple act to ensure eligibility, but upon digging deeper we find the agents will have broad authority in using the new tool to clamp down on privacy and violate American rights. Homeschool your kids? Smoke a cigar from time to time? Have a member who was at one time active duty military? ObamaCare enables agents to force a home inspection upon you. And no state will be off limits to the ObamaCare inspections.  [Collected via e-mail, October 2013] DID YOU KNOW... Even your children belong to the government. Under Obamacare, on October1, 2013, CPS field agents, armed with a manual published by Human Healthand Services and codified under Obamacare will begin operating under thepower granted to them by Obamacare. Subsequently, they will be able toconduct forced home visits without a warrant. Things such as a (yetundefined) bad grade, missing more than 5 days in school in any one month,can get a parent to be declared guilty of educational neglect. Having agun or beer in your house can get your children removed from your custody.Even the traditional act of grounding your child for misbehavior will getyou declared to be guilty of "isolation neglect" and subject your childfor removal from your authority and your home. If you are a parent and youhave not heard of this provision of Obamacare, I would suggest you readthe 110 page manual that was created by the United Nations. This is theHHS/CPS field manual that goes into effect this week! Origins:  This alarmist warning about a provision of the Patient Protection and Affordable Care Act [PPACA] (commonly known as "Obamacare") supposedly authorizing federal agents to undertake "forced home inspections" under the guise of ensuring eligibility began in August 2013 as a blog post that was picked up and uncritically spread via other blogs and web sites.  The original entry claimed, in part, that: blog post According to an Obamacare provision millions of Americans will be targeted. The Health and Human Services' website states that your family will be targeted if you fall under the "high-risk" categories below:  Families where mom is not yet 21. Families where someone is a tobacco user. Families where children have low student achievement, developmental delays, or disabilities. Families with individuals who are serving or formerly served in the armed forces, including such families that have members of the armed forces who have had multiple deployments outside the United States. There is no reference to Medicaid being the determinant for a family to be "eligible." In 2011, the HHS announced $224 million will be given to support evidence-based home visiting programs to "help parents and children." Individuals from the state will implement these leveraging strategies to "enhance program sustainability." Constitutional attorney and author Kent Masterson Brown states, "This is not a 'voluntary' program. The eligible entity receiving the grant for performing the home visits is to identify the individuals to be visited and intervene so as to meet the improvement benchmarks. A homeschooling family, for instance, may be subject to 'intervention' in 'school readiness' and 'social-emotional developmental indicators.' A farm family may be subject to 'intervention' in order to 'prevent child injuries' The sky is the limit." No provision of the PPACA authorizes federal agents to undertake "forced home inspections."  What this item (erroneously) references is the PPACA's creation of the Maternal, Infant, and Early Childhood Home Visiting Program (MIECHV), which "facilitates collaboration and partnership at the federal, state, and community levels to improve health and MIECHV development outcomes for at-risk children through evidence-based home visiting programs" by awarding development grants to states that "currently have modest home visiting programs and want to build on existing efforts." The grant program is intended to assist states (not the federal government) in conducting voluntary in-home visits to high-risk households with children younger than the age of five to help match those families with government services related to issues such as maternal and child health, child development, school readiness, economic self-sufficiency, and child abuse prevention.  (These home visiting programs are not something new created by Obamacare; there were  extant home visiting programs in nearly every state prior to the passage of the PPACA.) extant  As noted in a September 2011 press release from the U.S. Department of Health and Human Services (HHS): press release "Home visiting programs play a critical role in the nation's efforts to help children get off to a strong start. Parenting is a tough job, and helping parents succeed pays big dividends in a child's well-being and healthy development," said HHS Secretary Kathleen Sebelius.  Both the formula and competitive grants will be used by state agencies to support home visiting programs that bring nurses, social workers, or other health care professionals to meet with at-risk families that agree to meet with them in their homes.  They work with families to evaluate their circumstances, help parents gain the skills they need to succeed in promoting healthy development in their children, and connect families to the kinds of help that can make a real difference in a child's health, development, and ability to learn.  Research has shown that home visiting programs can improve outcomes for children and families, including improving maternal and child health, reducing child maltreatment, increasing parental employment, and improving the rate at which children reach developmental milestones. HHS undertook an exhaustive review of the research evidence on different home visiting programs to identify the models that have been shown to work. The PPACA defines high-risk households as: Low-income eligible families. Eligible families who are pregnant women who have not attained age 21. Eligible families that have a history of child abuse or neglect or have had interactions with child welfare services. Eligible families that have a history of substance abuse or need substance abuse treatment. Eligible families that have users of tobacco products in the home. Eligible families that are or have children with low student achievement. Eligible families with children with developmental delays or disabilities. Eligible families who, or that include individuals who, are serving or formerly served in the Armed Forces,including such families that have members of the Armed Forces who have had multiple deployments outside of theUnited States. However, nothing in the PPACA authorizes federal or state agents to "target" and conduct forced inspections at such households.  The PPACA requires that MIECHV grant recipients give priority to such households (because that's where the return on money spent is highest), but as stated in the press release quoted above, the MIECHV grant program brings "nurses, social workers, or other health care professionals to meet with at-risk families that agree to meet with them in their homes.  Likewise, the relevant section (p. 251) of the PPACA specifically states that MIECHV grant recipients must provide "assurances that the entity will establish procedures to ensure that the participation of each eligible family in the program is voluntary."  PPACA Last updated:  5 October 2013 Sen. Mark Warners re-election stump speech dwells on giving everyone an equal opportunity and high on that list is an affordable college education. Warner and many of his fellow Democrats have called for legislation that would ease student debt by allowing students to refinance their federal college loans at substantially lower interest rates and limit their loan repayments to 10 percent of their annual income. President Barack Obama endorsed those measures during a speech Monday.. Warner, during a recent speech of his own,said, Right now, America has $1.1 trillion of student debt. Thats more than credit card debt. This statistic caught our attention, so we put it to the Truth-O-Meter. David Turner, spokesman for Warners campaign, backed up the statement by sending us aspeechby an official at the Consumer Financial Protection Bureau anddatafrom the Federal Reserve System. Both of those sources say that student debt has topped $1 trillion and the speech noted that it had surpassed credit cards. But the best data comes from the Federal Reserve Bank of New York, which publishesdebt statisticsevery quarter. In the most recent report, covering first three months of 2014, student loan debt totaled $1.1 trillion, while credit card debt hit $659 billion. The largest type of debt for Americans is mortgages, which came in at $8.2 trillion in the first quarter. Student loan debt is No. 2, followed by automobile loans at $875 billion and credit card debt in making up $11.7 trillion in all debt. Student debt began to outpace credit card debt in the second quarter of 2010, when college loans hit $762 billion. Student debt topped the $1 trillion mark in the third quarter of last year. Average tuition across the nation increased 79.5 percent from 2003-2013, according todatafrom the U.S. Labor Department. For comparison, the Consumer Price Index grew by26.7percent during the same span and average wages grew by30.1percent. Credit card debt, by contrast, has gradually fallen from $843 billion in early 2009 to its $659 billion level this year. Much of the decrease occurred during the recession when people cut back on spending. But the recession exacerbated college debts, according to Caroline Ratcliffe, a senior fellow at the Urban Institute. She cited two reasons: You have to remember that during the time of the Great Recession, more people were going back to school because of the job situation, so they were taking on more debt, she said. Astudyshe co-wrote tackled the demographics of people with student loan debt. It found that student loan debt, for those ages 29 to 37, had increased by $10,381 on average from 1989 to 2010, while car loans had increased $302, credit card debt had increased $1,215 and other debt had decreased $2,078. In 2012, 40 percent of Americans in their 20s had student debt, 30 percent in their 30s owed on student loans, 19 percent of Americans in their 40s, 12 percent in their 50s and 4 percent in their 60s. This included students and parents who borrowed to send their children to college. Our ruling Warner said, Right now, America has $1.1 trillion of student debt. Thats more than credit card debt. His figure on student debt is accurate and total U.S. credit card debt in the first quarter of this year was $659 billion. We rate Warners statement True. In the final days before the election, the Obama campaign has put upan adthat is a sort of Cliff Notes for voters before they walk into the voting booth. It lists many of the points Obama has used against Mitt Romney throughout this contest.It warns about the future of Medicare,support for education, tax breaks for the wealthiest, and banking regulation. On that last point, it says, Mitt Romneys plan rolls back regulations on the banks that crashed our economy.This fact-check examines that claim and tries to discern what Romney would do about keeping banks clear of the excesses that contributed to the financial crisis.Romney has not spoken in detail about his financial regulation plans. Sifting through his website, interviews and his public comments, we see these core elements:  He wouldrepeal Dodd-Frank, the wide-ranging law that aims to fix many of the lapses associated with the meltdown. Romney has said he would replace the law but has not gone much beyond that concept. Romney supports the idea of regulations. Extensive regulation is appropriate in an industry that has such an impact on the overall economy, he said in an interviewwithTime. Romney supports rules to ensure that banks have their own money at risk, as this promotes greater caution. You have to have rules for what kind of capital has to stand behind each kind of asset on Wall Street and banks, he said on60 Minutes. This is part of current law. He supports greater transparency for derivatives trading. He told agroup of Americansin London, mainly bankers, that we do need to have greater transparency in the trading of derivatives, so we know whats going on - what kind of exposures various institutions have. Derivatives as investment devices are not inherently bad but they helped hide the weaknesses of the home mortgage market and increased the exposure of many investors when the sector collapsed. Dodd-Frank has a detailed approach to shedding light on derivatives trading. Romney opposes the current plan for orderly liquidations when banks fail. We need to get rid of that provision because it's killing regional and small banks, Romney said in thefirst presidential debate.However, he has not said how he would change the current law. Romney believes regulators should move faster to define the minimum standards for a home mortgage loan. The Obama campaign backs up its claim with aBoston Globearticle from last spring. The article emphasizes that Romney says he would do away with Dodd-Frank without saying what would replace it. Since that time, Romney has said a bit more, captured in that list above, but not much more.In May, one of Romneys top economic advisers,Glenn Hubbard,said the public could expect more detailed proposals on several key fronts, including what to do if one of the biggest banks fails, consumer financial protections, and housing finance. However, those proposals never appeared.The only detail from Hubbard himself targeted the new Consumer Financial Protection Bureau. That agency, created under Dodd-Frank, aims to stand between individuals and the marketing of unfair and deceptive financial services. Hubbard said the bureau might be moved or dismantled, with its functions passed along to existing agencies.The lack of specifics from Romney has left many people reading the tea leaves. Kenneth Scott is professor of law and business at Stanford Law School. I very much doubt that if Romney won there would be a blanket repeal of Dodd-Frank, but there would be an effort at significant amendments, Scott said.Some have looked to Congress for clues. ABloomberg articledescribed the changes Republicans have passed or introduced. High on the list are looser rules governing the trade in derivatives, and especially the financial practice called swaps. Swaps are basically insurance against the risk that a borrower wont repay a loan. It gets more exotic, but thats the central idea, and its very big business. Swaps delivered $7 billion in revenues to banks in the first quarter of 2012. Swaps played a significant role in the 2008 financial crisis.Bloomberg andother news organizationshave listed other areas where Republicans have worked to ease financial regulations, such as reversing the Volker Rule, which limits banks on using customer deposits to invest in trades offered by an arm of the same bank.Bloomberg offered this summary: Dodd-Frank would remain but it would be a revamped Dodd-Frank that would accommodate some of the most profitable and riskiest activities while preserving a patina of protection for investors and consumers.Still, the precise changes Romney would support are unknown. In addition, some would argue that whatever changes emerge would not increase the odds of another financial crisis. For example, Lawrence White, a scholar at the libertarian Cato Institute, believes the current law on big banks makes risky behavior more likely.Repealing THAT part of Dodd-Frank would not roll back regulation on the banks that crashed our economy, quite the contrary, White said.We asked the Romney campaign for more specifics in several areas but received no further information.Our rulingThe Obama ad says Mitt Romneys plan rolls back regulations on banks.Romney has provided scant details on his plans, but he has said that he would push for changes. Romney has never suggested that tougher regulations are needed, and he has said many times that government regulates too much. It is reasonable to conclude his plans would be more in line with current Republican initiatives than the present law passed by Democrats. That direction points toward fewer restrictions than are in place under Dodd-Frank. Certainly, Romney has said that the provisions for the largest banks should be replaced.Conservative analysts would say that these changes would not put the financial system at greater risk.However, the ad simply says Romney would roll back regulations on the institutions that contributed to the financial crisis. How much of a rollback is unclear, but Romney does support a lighter regulatory touch on banks, so we rate the statement Mostly True. One of the arguments made by the Trump administration for lowering the cap on the number of refugees allowed into the United States is that the costs of refugee resettlement outweigh its benefits. lowering Estimates vary on the total annual cost of processing and resettling refugees in the U.S., but a rough breakdown by the National Conference of State Legislatures put the total expenditures for accepting approximately 70,000 refugees in 2014 at $582 million.These cost estimates rarely attempt to take into account any economic benefits refugees might provide to the countries that take them in. According to a Facebook meme making the rounds since mid-2018, just such an analysis was undertaken by the Trump administration, but the results were suppressed because they undercut the official position:A recently leaked federal study found that refugees to America brought in $63 billion in government revenues than they cost in the last 10 years. Trump chief policy adviser Stephen Miller banned the release of the study, because it contradicts his claim that refugees are too costly. Pass it on!A leaked document fitting that description was indeed published by the New York Times in September 2017. It was an early draft of a report by the Department of Health and Human Services (HHS) detailing, at the president's request, the estimated long-term costs of the United States Refugee Admissions Program. The Times noted that:The internal study, which was completed in late July but never publicly released, found that refugees contributed an estimated $269.1 billion in revenues to all levels of government between 2005 and 2014 through the payment of federal, state and local taxes. Overall, this report estimated that the net fiscal impact of refugees was positive over the 10-year period, at $63 billion.All in all, the report said, the net fiscal impact of refugees over the 10-year period was positive, not negative, to the tune of $63 billion at all levels of government:The study concluded that refugees on average had a net fiscal impact "comparable" to that of the general population:The per capita annual net fiscal benefit was $2,205 for refugees and $1,848 for the general U.S. population, a difference not likely to be significant given margins of error and other limitations of this study. Expenditures for the general U.S. population were on average higher than expenditures for refugees, while revenues were more comparable.However, none of this information was contained in the final report delivered to the President, the Times reported, noting that some of the refugee program's proponents believed the results of the study were "suppressed" internally. Administration officials characterized those results as illegitimate:This leak was delivered by someone with an ideological agenda, not someone looking at hard data, said Raj Shah, a White House spokesman. The actual report pursuant to the presidential memorandum shows that refugees with few skills coming from war-torn countries take more government benefits from the Department of Health and Human Services than the average population, and are not a net benefit to the U.S. economy.John Graham, the acting assistant secretary for planning and evaluation at the health department, said: We do not comment on allegedly leaked documents and that no report had been finalized. He noted that Mr. Trumps memorandum seeks an analysis related to the cost of refugee programs. Therefore, the only analysis in the scope of H.H.S.s response to the memo would be on refugee-related expenditures from data within H.H.S. programs.The three-page report the agency ultimately submitted, dated Sept. 5, does just that, using government data to compare the costs of refugees to Americans and making no mention of revenues contributed by refugees.The Times also said that according to White House sources, Trump adviser Stephen Miller, who is reputed to be the chief architect of the administration's immigration policies, "personally intervened" to ensure that only the costs of admitting refugees, and not the fiscal benefits thereof, were enumerated in the final report. (According to the New Yorker, the White House denied that Miller was involved in producing the report.)The Facebook meme is largely accurate, then, although it somewhat mischaracterizes what became of the original draft report. It wasn't "banned" from release, in that it doesn't appear the report was ever intended to be made public. It was allegedly suppressed, however, in that it never reached President Trump's desk, and all discussion of the fiscal benefits of admitting refugees into the United States was excised from the final document.  Estimates vary on the total annual cost of processing and resettling refugees in the U.S., but a rough breakdown by the National Conference of State Legislatures put the total expenditures for accepting approximately 70,000 refugees in 2014 at $582 million. breakdown These cost estimates rarely attempt to take into account any economic benefits refugees might provide to the countries that take them in. According to a Facebook meme making the rounds since mid-2018, just such an analysis was undertaken by the Trump administration, but the results were suppressed because they undercut the official position: A recently leaked federal study found that refugees to America brought in $63 billion in government revenues than they cost in the last 10 years. Trump chief policy adviser Stephen Miller banned the release of the study, because it contradicts his claim that refugees are too costly. Pass it on!   A leaked document fitting that description was indeed published by the New York Times in September 2017. It was an early draft of a report by the Department of Health and Human Services (HHS) detailing, at the president's request, the estimated long-term costs of the United States Refugee Admissions Program. The Times noted that: document The internal study, which was completed in late July but never publicly released, found that refugees contributed an estimated $269.1 billion in revenues to all levels of government between 2005 and 2014 through the payment of federal, state and local taxes. Overall, this report estimated that the net fiscal impact of refugees was positive over the 10-year period, at $63 billion. All in all, the report said, the net fiscal impact of refugees over the 10-year period was positive, not negative, to the tune of $63 billion at all levels of government:  The study concluded that refugees on average had a net fiscal impact "comparable" to that of the general population: The per capita annual net fiscal benefit was $2,205 for refugees and $1,848 for the general U.S. population, a difference not likely to be significant given margins of error and other limitations of this study. Expenditures for the general U.S. population were on average higher than expenditures for refugees, while revenues were more comparable. However, none of this information was contained in the final report delivered to the President, the Times reported, noting that some of the refugee program's proponents believed the results of the study were "suppressed" internally. Administration officials characterized those results as illegitimate: This leak was delivered by someone with an ideological agenda, not someone looking at hard data, said Raj Shah, a White House spokesman. The actual report pursuant to the presidential memorandum shows that refugees with few skills coming from war-torn countries take more government benefits from the Department of Health and Human Services than the average population, and are not a net benefit to the U.S. economy. John Graham, the acting assistant secretary for planning and evaluation at the health department, said: We do not comment on allegedly leaked documents and that no report had been finalized. He noted that Mr. Trumps memorandum seeks an analysis related to the cost of refugee programs. Therefore, the only analysis in the scope of H.H.S.s response to the memo would be on refugee-related expenditures from data within H.H.S. programs. The three-page report the agency ultimately submitted, dated Sept. 5, does just that, using government data to compare the costs of refugees to Americans and making no mention of revenues contributed by refugees. The Times also said that according to White House sources, Trump adviser Stephen Miller, who is reputed to be the chief architect of the administration's immigration policies, "personally intervened" to ensure that only the costs of admitting refugees, and not the fiscal benefits thereof, were enumerated in the final report. (According to the New Yorker, the White House denied that Miller was involved in producing the report.) denied The Facebook meme is largely accurate, then, although it somewhat mischaracterizes what became of the original draft report. It wasn't "banned" from release, in that it doesn't appear the report was ever intended to be made public. It was allegedly suppressed, however, in that it never reached President Trump's desk, and all discussion of the fiscal benefits of admitting refugees into the United States was excised from the final document. Blitzer, Jonathan.  "How Stephen Miller Single-Handedly Got the U.S. to Accept Fewer Refugees."
  The New Yorker.  13 October 2017. Davis, Julie Hirschfeld.  "Trump to Cap Refugees Allowed into U.S. at 30,000, a Record Low."
  The New York Times.  17 September 2018. Davis, Julie Hirschfeld and Somini Sengupta.  "Trump Administration Rejects Study Showing Positive Impact of Refugees."
  The New York Times.  18 September 2017. Phillips, Amber.  "Here's How Much the United States Spends on Refugees."
  The Washington Post.  20 November 2015. The New York Times.  "Rejected Report Shows Revenue Brought in by Refugees."
  19 September 2017. A Florida manatee spotted ensnared in a bicycle tire in October 2019 was seen again more than a year later, this time without the potentially deadly entrapment wrapped around its body. A Facebook post shared on Dec. 5, 2020, by the Florida Wildlife Commission (FWC) and Wildlife Research Institute described the return of the now-free manatee as it made its way back to Blue Spring State Park, a spring-fed sanctuary outside of Orlando known for its annual return of hundreds of manatees every winter. known  Aptly named Schwinn by researchers and Wheelie by concerned citizens, the manatee was reported in October 2019 in Fernandina Beach before it migrated some 150 miles to Blue Spring for the winter. During its stay, wildlife officials made several attempts to rescue the manatee but were unable to do so safely. Due to the difficulties involved in making a safe rescue among hundreds of other manatees staying warm in the spring, Schwinn became wary and evaded rescue boats, research canoes, or approaching in-water biologists, making it impossible to safely rescue the tire-encircled manatee, wrote the affiliated nonprofit organization, Save the Manatee, in a news release. news release But a cold front in late 2020 brought the manatees back to the sanctuary, where the previously entangled manatee was recognized on a live webcam maintained by the Save the Manatee Club. This time around, conservationists noted that the marine mammal returned a little lighter than last year.  live webcam Experts cannot determine exactly how the manatee escaped the encircling tire. Ironically, Schwinn the manatee was superficially struck by a boats propeller in February, which cut through a significant portion of the tire, added the FWC. The cut from the propeller likely weakened the tire, allowing the manatee to swim free sometime later. Nicknamed sea cows for their similarities to livestock, manatees are fully aquatic marine mammals that survive nearly entirely on water grass. The Florida manatee, a subspecies of the West Indian manatee, is considered threatened under the Endangered Species Act and designated as below their optimum sustainable population level  or depleted  under the Marine Mammal Protection Act. These slow-moving mammals are largely threatened by human interference by way of boat collisions, entanglement in fishing gear and other trash, and a loss of habitat. considered  Schwinn the manatee bears obvious scars from the bicycle tire entanglement. Each year, many manatees are killed or injured by debris discarded into the waterways. Save the Manatee  Save the Manatee