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To: Dean Sanpei,
Subject: Top 10 Reasons to Apply for Funding...
Date: Fri Aug 09 14:15:32 MDT 2013

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ised Watt as a first-rate selection. Both were classmates at the University of North Carolina at Chapel Hill. Bowles, the Democrat in a debt-tackling partnership with former Republican Sen. Alan Simpson of Wyoming, said Watt brings "a bright mind, great work habits and an understanding of how Washington works to the job."Hugh McColl, former Bank of America chairman and CEO, also welcomed Watt's nomination. McColl said he has known Watt for four decades, first meeting him through his brother-in-law, former Rep. John Spratt, D-S.C., who attended Yale Law School at the same time as Watt."What he brings to everything, doesn't matter the subject, is an open mind," McColl said. "He has clarity of thought."Charlotte is a major banking center, and the top donors to Watt's political campaigns over the years have been bank political action committees and bank officials and employees.His nomination comes nearly a year after DeMarco, who has been acting director, stood by a decision to bar Fannie and Freddie from reducing principal for borrowers at risk of foreclosure, resisting pressure from the administration. DeMarco long has opposed allowing the mortgage giants to offer principal reduction.In March, attorneys general from nine states, led by Democrats Eric Schneiderman of New York and Martha Coakley of Massachusetts, sent Obama a letter saying that Fannie and Freddie under DeMarco have been a "direct impediment to our economic recovery." and every page.When the first draft of the application turned out to be a clunker, "immediately, everybody sat around the table and said, `Well, this is too long, this age of the Internet,"' Obama recounted. "`People aren't going to have the patience to sit there for hours on end. Let's streamline this thing."'His administration is open to making improvements, Obama added: "Those kinds of refinements, we're going to be working on."Consumers will start getting familiar with the new applications less than six months from now, on Oct. 1, when new insurance markets open for enrollment in every state. Most people with job-based benefits will not have to bother with the applications, only the uninsured.Under the law, middle-class people who don't get coverage through their jobs will be able to purchase private insurance. Most will be able to get tax credits, based on their incomes, to make their premiums more affordable. Low-income uninsured people will be steered to government programs like Medicaid.Benefits begin Jan. 1, and nearly 30 million uninsured Americans are eventually expected to get coverage.While the first drafts of the applications were widely panned, the new forms were seen as an improvement. Still, consumers must provide a snapshot of their finances to see if they qualify for help. That potentially includes multiple sources of income -- from alimony, to tips, to regular paychecks."Given the amount of information