奥巴马演讲视频：保证中产阶级拥有公平机会

Today, America faces a make-or-break moment for the middle class.

After the worst economic crisis of our lifetimes, some still want to return to the same policies that got us into this mess. They're the same policies that have stacked the deck against working Americans for too long. They're part of a philosophy that says we're better off when everyone is left to fend¹ for themselves and play by their own rules.

But I have a different vision. I believe that we are greater together than we are on our own. I believe that this country succeeds when everyone gets a fair shot, everyone does their fair share, and everyone engages in fair play.

To ensure fair play, last year, we passed the toughest financial reform in generations.

See, for too long, the rules weren't the same on Wall Street as they were on Main Street. Risky² bets were made with other people's money. Some folks made a lot of money taking advantage of consumers. It was wrong. And this irresponsible behavior on the part of some contributed to the worst financial crisis since the Great Depression.

So this financial reform refocuses the financial sector³ on what's really important: getting capital to entrepreneurs who want to grow their businesses, and financing to millions of families who want to buy a house or send their kids to college.

A key part of that was putting in place the first-ever consumer watchdog – someone whose job it is to protect American families from being taken advantage of by mortgage lenders, payday lenders, and debt collectors.

Tens of millions of Americans use these services. Protecting them from unscrupulous practices is an important job. And that's why I nominated Richard Cordray to serve as the head of this consumer watchdog agency.

As the former Attorney General of Ohio, Richard helped recover billions of dollars on behalf of retirees and stood up to dishonest lending practices. He has the support of most Attorneys General across the country, both Democrats⁴ and Republicans. Members of Congress from both parties say he's more than qualified⁵ for the job. And yet on Thursday, Republicans blocked his nomination⁶. They refused to even allow it to come up for a vote.

That doesn't make any sense. Do Republicans in Congress think our financial crisis was caused by too much oversight⁷ of mortgage lenders or debt collectors? Of course not. And every day America has to wait for a new consumer protection watchdog is another day that dishonest businesses can target and take advantage of students, seniors, and service members.

So I refuse to take "no" for an answer. Financial institutions have plenty of high-powered lawyers and lobbyists looking out for them. It's time consumers had someone on their side.

And while they're at it, Republicans in Congress should stop the games and extend the payroll⁸ tax cut for working Americans. Because if they don't, nearly 160 million Americans will see their taxes go up at the end of this month.

Congress can't end the year by taking money out of the pockets of working Americans. Now is not the time for playing politics. Now is the time to do what's right for the American people.

No one should go home for the holidays until we get this done. So tell your Members of Congress, don't be a Grinch. Tell them to do the right thing for you and for our economy. Thank you.

1 fend   

v.照料（自己），（自己）谋生，挡开，避开

参考例句：

• I've had to fend for myself since I was 14.我从十四岁时起就不得不照料自己。
• He raised his arm up to fend branches from his eyes.他举手将树枝从他眼前挡开。

2 risky   

adj.有风险的，冒险的

参考例句：

• It may be risky but we will chance it anyhow.这可能有危险，但我们无论如何要冒一冒险。
• He is well aware how risky this investment is.他心里对这项投资的风险十分清楚。

3 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

4 democrats   

n.民主主义者，民主人士( democrat的名词复数 )

参考例句：

• The Democrats held a pep rally on Capitol Hill yesterday. 民主党昨天在国会山召开了竞选誓师大会。
• The democrats organize a filibuster in the senate. 民主党党员组织了阻挠议事。 来自《简明英汉词典》

5 qualified   

adj.合格的，有资格的，胜任的，有限制的

参考例句：

• He is qualified as a complete man of letters.他有资格当真正的文学家。
• We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。

6 nomination   

n.提名，任命，提名权

参考例句：

• John is favourite to get the nomination for club president.约翰最有希望被提名为俱乐部主席。
• Few people pronounced for his nomination.很少人表示赞成他的提名。

7 oversight   

n.勘漏，失察，疏忽

参考例句：

• I consider this a gross oversight on your part.我把这件事看作是你的一大疏忽。
• Your essay was not marked through an oversight on my part.由于我的疏忽你的文章没有打分。

8 payroll   

n.工资表，在职人员名单，工薪总额

参考例句：

• His yearly payroll is $1.2 million.他的年薪是120万美元。
• I can't wait to get my payroll check.我真等不及拿到我的工资单了。