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Joe Biden
Transcripts White House Calendar White House Press Releases

Joint House and Senate Hearing, 106th Congress - Bankruptcy Reform

Topics
Entities
Moderation
21 Speakers
Topics
No topics found
Entities
No entities found
Moderation
No moderation found
Speakers
George Gekas
George Gekas said 479 sentences of a total of 3217 sentences.
15%
George Gekas said 7472 words of a total of 55220 words.
14%
George Zywicki
George Zywicki said 271 sentences of a total of 3217 sentences.
9%
George Zywicki said 5016 words of a total of 55220 words.
10%
Gary Klein
Gary Klein said 277 sentences of a total of 3217 sentences.
9%
Gary Klein said 4629 words of a total of 55220 words.
9%
Judith Miller
Judith Miller said 193 sentences of a total of 3217 sentences.
6%
Judith Miller said 4460 words of a total of 55220 words.
9%
Elizabeth Warren
Elizabeth Warren said 249 sentences of a total of 3217 sentences.
8%
Elizabeth Warren said 4340 words of a total of 55220 words.
8%
Edith Jones
Edith Jones said 254 sentences of a total of 3217 sentences.
8%
Edith Jones said 4046 words of a total of 55220 words.
8%
Larry Nuss
Larry Nuss said 165 sentences of a total of 3217 sentences.
6%
Larry Nuss said 3567 words of a total of 55220 words.
7%
Dean Sheaffer
Dean Sheaffer said 230 sentences of a total of 3217 sentences.
8%
Dean Sheaffer said 3560 words of a total of 55220 words.
7%
Bruce Hammonds
Bruce Hammonds said 161 sentences of a total of 3217 sentences.
6%
Bruce Hammonds said 3045 words of a total of 55220 words.
6%
Jerry Nadler
Jerry Nadler said 194 sentences of a total of 3217 sentences.
7%
Jerry Nadler said 3033 words of a total of 55220 words.
6%
Carol Kenner
Carol Kenner said 157 sentences of a total of 3217 sentences.
5%
Carol Kenner said 2652 words of a total of 55220 words.
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Jeff Sessions
Jeff Sessions said 96 sentences of a total of 3217 sentences.
3%
Jeff Sessions said 1795 words of a total of 55220 words.
4%
Thomas Dodd
Thomas Dodd said 86 sentences of a total of 3217 sentences.
3%
Thomas Dodd said 1687 words of a total of 55220 words.
4%
Chuck Grassley
Chuck Grassley said 98 sentences of a total of 3217 sentences.
4%
Chuck Grassley said 1629 words of a total of 55220 words.
3%
Steve Chabot
Steve Chabot said 57 sentences of a total of 3217 sentences.
2%
Steve Chabot said 1133 words of a total of 55220 words.
3%
William Delahunt
William Delahunt said 54 sentences of a total of 3217 sentences.
2%
William Delahunt said 765 words of a total of 55220 words.
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James P. Moran
James P. Moran said 42 sentences of a total of 3217 sentences.
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James P. Moran said 650 words of a total of 55220 words.
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Tammy Baldwin
Tammy Baldwin said 26 sentences of a total of 3217 sentences.
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Tammy Baldwin said 524 words of a total of 55220 words.
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Joe Biden
Joe Biden said 33 sentences of a total of 3217 sentences.
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Joe Biden said 493 words of a total of 55220 words.
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Ed Bryant
Ed Bryant said 49 sentences of a total of 3217 sentences.
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Ed Bryant said 423 words of a total of 55220 words.
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Anthony Weiner
Anthony Weiner said 1 sentences of a total of 3217 sentences.
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Anthony Weiner said 5 words of a total of 55220 words.
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Full Transcript

George Gekas

OPENING STATEMENT OF CHAIRMAN GEKAS
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Sexual
0.0071036266
OpenAI Moderation v1 (007)
Harassment
0.0039439314
OpenAI Moderation v1 (007)
Violence
0.0025848247
OpenAI Moderation v1 (007)
Violence > Graphic
0.0011426355
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006953278
OpenAI Moderation v1 (007)
Self-Harm
0.0002116406
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001965232
OpenAI Moderation v1 (007)
Hate
0.0001085398
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.45954E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.9696E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.0989E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10
Flesch-Kincaid Ease
32.6
Gunning-Fog Score
2
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
10.3
Dale-Chall Readability Score
10
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

George Gekas

[presiding.] The hour of two o'clock having arrived, this extraordinary session of the Judiciary Subcommittee on Commercial and Administrative Law will come to order.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0
Neutral
Moderation
Harassment
0.0068231238
OpenAI Moderation v1 (007)
Violence
0.0059999966
OpenAI Moderation v1 (007)
Sexual
0.0035692377
OpenAI Moderation v1 (007)
Violence > Graphic
0.0034932924
OpenAI Moderation v1 (007)
Self-Harm
0.0027803624
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008849849
OpenAI Moderation v1 (007)
Hate
0.0006450525
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001556008
OpenAI Moderation v1 (007)
Sexual > Minors
3.99716E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.5722E-6
OpenAI Moderation v1 (007)
Hate > Threatening
9.236E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
10.6
Gunning-Fog Score
12.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
10

George Gekas

It is extraordinary in several different aspects, not the least of which is that it is and will become a bicameral joint session for the first time in several generations, as we have been told.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0
Neutral
Moderation
Violence > Graphic
0.0029991657
OpenAI Moderation v1 (007)
Violence
0.0018357452
OpenAI Moderation v1 (007)
Sexual
0.0010616863
OpenAI Moderation v1 (007)
Harassment
0.0005436961
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000315602
OpenAI Moderation v1 (007)
Hate
0.0001522917
OpenAI Moderation v1 (007)
Sexual > Minors
8.54536E-5
OpenAI Moderation v1 (007)
Self-Harm
9.245E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.793E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.6594E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.96E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
36
Gunning-Fog Score
19
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
6

George Gekas

Thus, we make our imprint on history right at the outset. The plans for the day are going to be altered somewhat, through no fault of our own, in that the Senate of the United States is engaged in a series of votes, which are stacked, one after another. And our Senators, who will be participating in this hearing, are sharing the time between this chamber and that of their own. And so we will expect them to walk in and out throughout the whole entire process.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.609
Very Positive
Moderation
Harassment
0.4851607606
OpenAI Moderation v1 (007)
Hate
0.0246370706
OpenAI Moderation v1 (007)
Violence
0.0023256218
OpenAI Moderation v1 (007)
Sexual
0.0007588291
OpenAI Moderation v1 (007)
Self-Harm
0.0006695819
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006200755
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003742256
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002923168
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001000074
OpenAI Moderation v1 (007)
Sexual > Minors
6.65079E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.38826E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
71
Gunning-Fog Score
10.5
Coleman-Liau Index
8.9
SMOG Index
10.3
Automated Readability Index
9.2
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
24

George Gekas

But in the meantime, we are going to, even though we lack a quorum for the purposes of a hearing on the House side, we are going to entertain now an opening statement by Senator Grassley, who is not bound by the House rules. And he reminds me of that quite often. So we now welcome to our chamber and introduce to you, Senator Grassley, who has been a monumental leader in the world of bankruptcy and, particularly, in his efforts in the last Congress and the ones that have so famously begun now in this session of Congress. He is, whether he knows it or not, whether he will acknowledge it or not, an expert in this field. And he has proved, especially during the conference wrangling of last year, his ability to put various elements together and to allow us to emerge with a saleable product, which was the conference report of the last session.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.17007
VADER
0.757
Very Positive
Moderation
Harassment
0.3213866381
OpenAI Moderation v1 (007)
Hate
0.0498274632
OpenAI Moderation v1 (007)
Violence > Graphic
0.0413901231
OpenAI Moderation v1 (007)
Violence
0.028631583
OpenAI Moderation v1 (007)
Self-Harm
0.0041550629
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026561349
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014240916
OpenAI Moderation v1 (007)
Sexual
0.0003174333
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001512097
OpenAI Moderation v1 (007)
Hate > Threatening
7.24907E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.96374E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
51
Gunning-Fog Score
17.4
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
39
Sprache Difficult Word Count
40

George Gekas

With that, I allow or I switch the microphone to Senator Grassley so that he may address our gathering.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Moderation
Harassment
0.0513646984
OpenAI Moderation v1 (007)
Violence > Graphic
0.0169907551
OpenAI Moderation v1 (007)
Self-Harm
0.004690039
OpenAI Moderation v1 (007)
Violence
0.0033591026
OpenAI Moderation v1 (007)
Hate
0.0030437752
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003626673
OpenAI Moderation v1 (007)
Sexual
0.0002160267
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.66322E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.53483E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.6356E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.2217E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
62.9
Gunning-Fog Score
11.8
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
8.6
Dale-Chall Readability Score
5.1
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
7

Note

[The prepared statement of Mr. Gekas follows:]
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
8.7456807494
OpenAI Moderation v1 (007)
Violence
0.2730736742
OpenAI Moderation v1 (007)
Hate
0.1848078566
OpenAI Moderation v1 (007)
Violence > Graphic
0.0748622289
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0209000238
OpenAI Moderation v1 (007)
Self-Harm
0.0180350486
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0033236469
OpenAI Moderation v1 (007)
Sexual
0.0016364933
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0010478105
OpenAI Moderation v1 (007)
Sexual > Minors
2.32377E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.118E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
Flesch-Kincaid Ease
Gunning-Fog Score
Coleman-Liau Index
SMOG Index
Automated Readability Index
Dale-Chall Readability Score
Sprache Readability Score
Dale-Chall Difficult Word Score
Sprache Difficult Word Count

George Gekas

Prepared Statement of Hon. George W. Gekas, a Representative in Congress from the State of Pennsylvania, and chairman, Subcommittee on Commercial and Administrative Law
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Violence
0.0985761639
OpenAI Moderation v1 (007)
Violence > Graphic
0.0817543245
OpenAI Moderation v1 (007)
Harassment
0.0294950063
OpenAI Moderation v1 (007)
Hate
0.0037482896
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010253171
OpenAI Moderation v1 (007)
Sexual
0.0009765232
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005200548
OpenAI Moderation v1 (007)
Self-Harm
0.0001751892
OpenAI Moderation v1 (007)
Hate > Threatening
6.86847E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.4559E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.5991E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
29.5
Gunning-Fog Score
4.9
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
10
Dale-Chall Readability Score
8.3
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14

George Gekas

A hearty welcome to Chairman Grassley and our colleagues from the other body. Chairman Grassley is to be commended for his tireless leadership and hard work on behalf of bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.671
Very Positive
Moderation
Harassment
6.6166758537
OpenAI Moderation v1 (007)
Violence
0.0689717068
OpenAI Moderation v1 (007)
Hate
0.024412942
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0190406237
OpenAI Moderation v1 (007)
Violence > Graphic
0.0098822544
OpenAI Moderation v1 (007)
Self-Harm
0.0004934071
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.28855E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.79695E-5
OpenAI Moderation v1 (007)
Sexual
6.49203E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.69162E-5
OpenAI Moderation v1 (007)
Sexual > Minors
9.4446E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
54.7
Gunning-Fog Score
11.4
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
10
Dale-Chall Readability Score
6.9
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
12

George Gekas

Today is truly a most auspicious occasion for several reasons. First, it marks what may very well be a historical occasion -- a bicameral hearing on bankruptcy reform. Second, it brings to full circle the bicameral efforts that culminated in the last session in the conference report on H.R. 3150, the Bankruptcy Reform Act of 1998. In fact, the bill that I introduced last month is identical to the conference report.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.644
Very Positive
Moderation
Violence > Graphic
0.0255396444
OpenAI Moderation v1 (007)
Violence
0.0211931823
OpenAI Moderation v1 (007)
Harassment
0.0204270531
OpenAI Moderation v1 (007)
Sexual
0.0021990576
OpenAI Moderation v1 (007)
Hate
0.0008117538
OpenAI Moderation v1 (007)
Self-Harm
0.0004318249
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002186378
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001759642
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.87872E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.49973E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1376E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.3
Flesch-Kincaid Ease
56.6
Gunning-Fog Score
12.6
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
6.2
Dale-Chall Readability Score
4.4
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
17

George Gekas

Third, this hearing marks more than four years of careful analysis and review of our nation's current bankruptcy system -- a review that began with the creation of the National Bankruptcy Review Commission back in 1994. The Commission then spent two years studying our bankruptcy laws and produced a report with numerous recommendations, many of which are memorialized in my bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
0.402
Positive
Moderation
Violence > Graphic
0.1376521308
OpenAI Moderation v1 (007)
Violence
0.0192837339
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0040150513
OpenAI Moderation v1 (007)
Harassment
0.0032164655
OpenAI Moderation v1 (007)
Sexual
0.0018447727
OpenAI Moderation v1 (007)
Hate
0.0005928704
OpenAI Moderation v1 (007)
Self-Harm
0.0005865129
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001961772
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.82907E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.10546E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.07899E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.4
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
19

George Gekas

Today's hearing on bankruptcy reform is the first of a series of four that my Subcommittee will hold on the subject of bankruptcy reform. Over the course of these hearings, it is anticipated that we will hear from more than 50 witnesses, representing nearly every major viewpoint on bankruptcy reform. These hearings complement the extensive series of hearings that the Subcommittee held last year, during which more than 60 witnesses testified.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.6
Very Negative
Harvard-IV (Absolute)
-0.6
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
0
Neutral
Moderation
Sexual
0.0033218821
OpenAI Moderation v1 (007)
Violence
0.0016061671
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005282464
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004072089
OpenAI Moderation v1 (007)
Harassment
0.0002803561
OpenAI Moderation v1 (007)
Harassment > Threatening
4.68772E-5
OpenAI Moderation v1 (007)
Hate
3.18083E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.83253E-5
OpenAI Moderation v1 (007)
Self-Harm
3.6238E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.0734E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.091E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47
Gunning-Fog Score
14.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.4
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
16

George Gekas

Like last year, it is important to note that I have made every effort to ensure that these hearings are fulsome and inclusive of divergent views. To that end, I actively solicited recommendations from our minority colleagues with respect to witnesses who represent a broad cross-section of viewpoints. In fact, there are several witnesses that I have invited who ardently oppose my views of bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.883
Very Positive
Moderation
Harassment
1.3500778936
OpenAI Moderation v1 (007)
Hate
0.0509697711
OpenAI Moderation v1 (007)
Violence
0.0439321215
OpenAI Moderation v1 (007)
Self-Harm
0.0372314389
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0301629771
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0115243289
OpenAI Moderation v1 (007)
Violence > Graphic
0.0056820823
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0015163424
OpenAI Moderation v1 (007)
Sexual
0.001173748
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001364339
OpenAI Moderation v1 (007)
Hate > Threatening
8.89589E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
45.3
Gunning-Fog Score
17.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
24

George Gekas

To further ensure bipartisan involvement, we have invited our colleagues and their staffs to several press conferences and briefings on important issues dealing with the treatment of child support and needs-based bankruptcy relief.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.848
Very Positive
Moderation
Harassment
0.1950125676
OpenAI Moderation v1 (007)
Violence > Graphic
0.0228706995
OpenAI Moderation v1 (007)
Violence
0.0190610226
OpenAI Moderation v1 (007)
Hate
0.0056086577
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026185422
OpenAI Moderation v1 (007)
Sexual
0.0020038944
OpenAI Moderation v1 (007)
Self-Harm
0.0001382373
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001041935
OpenAI Moderation v1 (007)
Hate > Threatening
9.1573E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.9481E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.6226E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
17

George Gekas

And these efforts will continue. We hope, in the near future, to hold a comprehensive bipartisan briefing on my bill, H.R. 833, and the bill that Mr. Nadler is reportedly preparing to introduce shortly. The purpose of this briefing will be to assist Members and their staff in their understanding of both bills as we undertake their consideration.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.599
Very Positive
Moderation
Harassment
0.0054337535
OpenAI Moderation v1 (007)
Sexual
0.002329444
OpenAI Moderation v1 (007)
Violence
0.0023227381
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014521111
OpenAI Moderation v1 (007)
Self-Harm
0.0009274965
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005685113
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002377991
OpenAI Moderation v1 (007)
Hate
0.0001252646
OpenAI Moderation v1 (007)
Sexual > Minors
4.54364E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.3646E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.9324E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.4
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
10
Coleman-Liau Index
11.8
SMOG Index
10.3
Automated Readability Index
5.6
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
20

George Gekas

In the midst of economic well-being, we continue to be shocked by the ever-escalating rate of bankruptcy filings, which last year topped 1.4 million. These statistics evidence that there is an overwhelming need for comprehensive reform, not just some tinkering or minor refinement of the current system.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.077
Neutral
Moderation
Violence
0.0036163892
OpenAI Moderation v1 (007)
Violence > Graphic
0.0019524341
OpenAI Moderation v1 (007)
Hate
0.0016703219
OpenAI Moderation v1 (007)
Harassment
0.0015911335
OpenAI Moderation v1 (007)
Sexual
0.0015319269
OpenAI Moderation v1 (007)
Sexual > Minors
5.06973E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
2.86578E-5
OpenAI Moderation v1 (007)
Self-Harm
2.81427E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.81E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.844E-7
OpenAI Moderation v1 (007)
Hate > Threatening
2.078E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.4
Gunning-Fog Score
18.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
20

George Gekas

Our mandate is clear and unequivocal: to reduce abuse and restore public confidence in the integrity of the bankruptcy system. It is my sincere hope that we can work cooperatively to achieve these goals.
Sentiment
Loughran McDonald (Relative)
0.2
Leans Positive
Loughran McDonald (Absolute)
0.2
Leans Positive
Loughran McDonald (Logit)
0.33647
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.95551
VADER
0.878
Very Positive
Moderation
Sexual
0.0097977863
OpenAI Moderation v1 (007)
Violence
0.0033741922
OpenAI Moderation v1 (007)
Harassment
0.0028281045
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018636598
OpenAI Moderation v1 (007)
Sexual > Minors
0.00064873
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003700147
OpenAI Moderation v1 (007)
Hate
0.0001744572
OpenAI Moderation v1 (007)
Self-Harm
0.000149387
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.57586E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.6795E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.3292E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
47.8
Gunning-Fog Score
12.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.2
Dale-Chall Readability Score
6.4
Sprache Readability Score
4
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
16

Chuck Grassley

Well, most importantly, not only to acknowledge your leadership for this meeting and to echo what you said about me, but to say the same thing about you in the last Congress. Because of your leadership, moving such a comprehensive bill through the House of Representatives by such a wide bipartisan margin made possible our moving a bill through the Senate.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.59
Very Positive
Moderation
Violence
0.0049764574
OpenAI Moderation v1 (007)
Violence > Graphic
0.0026646416
OpenAI Moderation v1 (007)
Sexual
0.0011263098
OpenAI Moderation v1 (007)
Harassment
0.0010391736
OpenAI Moderation v1 (007)
Hate
0.0004129078
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003980526
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001447398
OpenAI Moderation v1 (007)
Self-Harm
1.78575E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.3741E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.0041E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.88E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
46.9
Gunning-Fog Score
16.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
14

Chuck Grassley

I thank you very much for your leadership, and, once again, acknowledge a close working relationship, not only during the last Congress, but particularly as the last Congress ended and extending into this Congress. I thank you very much for the sort of communication we have had that have been able to move a bill in a more parallel fashion this time as opposed to last time. Although in the final analysis, things worked out fairly well as far as our compromise was concerned, but we started out at very different points.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.09091
Neutral
Harvard-IV (Absolute)
0.09091
Neutral
Harvard-IV (Logit)
0.16705
VADER
0.527
Very Positive
Moderation
Harassment
5.3604755551
OpenAI Moderation v1 (007)
Hate
0.0558527827
OpenAI Moderation v1 (007)
Violence
0.007405971
OpenAI Moderation v1 (007)
Self-Harm
0.0049950766
OpenAI Moderation v1 (007)
Violence > Graphic
0.0041849475
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0018781813
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007985996
OpenAI Moderation v1 (007)
Hate > Threatening
0.000227635
OpenAI Moderation v1 (007)
Sexual
0.0001544519
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001396931
OpenAI Moderation v1 (007)
Sexual > Minors
1.22874E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47.9
Gunning-Fog Score
17.5
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
21

Chuck Grassley

So I acknowledge that, and thank you once again. And I look forward to that close working relationship hopefully over just the next few months as opposed to the next several months to get something to the President of the United States. And I would apologize for not only myself by my colleagues that we do have these nine votes coming up, and it will probably preempt almost any involvement in this hearing beyond my statement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.813
Very Positive
Moderation
Harassment
0.0214313375
OpenAI Moderation v1 (007)
Violence
0.0022268046
OpenAI Moderation v1 (007)
Hate
0.0007413704
OpenAI Moderation v1 (007)
Sexual
0.0004012565
OpenAI Moderation v1 (007)
Violence > Graphic
0.0003704468
OpenAI Moderation v1 (007)
Harassment > Threatening
8.20286E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.6407E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.5988E-6
OpenAI Moderation v1 (007)
Self-Harm
8.413E-7
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.2E-8
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.45E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
54.2
Gunning-Fog Score
15.4
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
19

Chuck Grassley

I would say to you that if we do get done soon, and you are still going, I intend to come back after the Senate's complete. So thank you for that. And I know that we have an Iowan testifying today, so it is my privilege also to welcome Mr. Larry Nuss from Cedar Falls -- head of a credit union that I used to belong to when I was a factory worker in Cedar Falls, Iowa. And I am glad that he is coming to give some Iowa common-sense approach to the bankruptcy issue.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.75786
VADER
0.916
Very Positive
Moderation
Harassment
0.6207799073
OpenAI Moderation v1 (007)
Hate
0.0735010195
OpenAI Moderation v1 (007)
Violence > Graphic
0.0436714094
OpenAI Moderation v1 (007)
Violence
0.0265530107
OpenAI Moderation v1 (007)
Self-Harm
0.0032448344
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017495682
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006626102
OpenAI Moderation v1 (007)
Sexual
0.0004040015
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001319199
OpenAI Moderation v1 (007)
Sexual > Minors
6.1191E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.0949E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
71.8
Gunning-Fog Score
9.7
Coleman-Liau Index
6.4
SMOG Index
10.5
Automated Readability Index
5.8
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
24

Chuck Grassley

The Library of Congress tells me that this is the first joint hearing on bankruptcy reform since 1932. With today's scheduling problems, I think that I understand why because this is an historic moment, and we should all recognize it as such.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.402
Negative
Moderation
Harassment
0.5690780468
OpenAI Moderation v1 (007)
Violence
0.120200403
OpenAI Moderation v1 (007)
Violence > Graphic
0.0657792785
OpenAI Moderation v1 (007)
Hate
0.0304172456
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0130495129
OpenAI Moderation v1 (007)
Sexual
0.0010912148
OpenAI Moderation v1 (007)
Self-Harm
0.0007001888
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001318681
OpenAI Moderation v1 (007)
Hate > Threatening
7.0373E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.61245E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1733E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
64.7
Gunning-Fog Score
13.2
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
4.4
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11

Chuck Grassley

I think that the need for real bankruptcy reform is pretty obvious. You don't need an army of scientists or law professors or anybody else from academia or outside to tell us that we have a serious bankruptcy problem. These are good times in America. Thanks to hard work of our Congress, we have the first balanced budget in a generation, and that came since Republicans took over the Congress. As a result, unemployment is low. We have a solid stock market. And most Americans are optimistic about the future.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
-0.16667
Leans Negative
Harvard-IV (Absolute)
-0.16667
Leans Negative
Harvard-IV (Logit)
-0.31015
VADER
0.585
Very Positive
Moderation
Harassment
10.8315743506
OpenAI Moderation v1 (007)
Violence
0.1943703042
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0504268159
OpenAI Moderation v1 (007)
Hate
0.050254626
OpenAI Moderation v1 (007)
Violence > Graphic
0.0236584048
OpenAI Moderation v1 (007)
Self-Harm
0.0011431161
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003027457
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002707986
OpenAI Moderation v1 (007)
Sexual
8.28645E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.75988E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.75596E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.2
Flesch-Kincaid Ease
59.4
Gunning-Fog Score
9.6
Coleman-Liau Index
11
SMOG Index
11
Automated Readability Index
6.5
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
23

Chuck Grassley

Despite the successes I just cited, we still need to shape up our economy. Our taxes are too high. Our bankruptcy system needs to be fixed. About one and one-half million Americans will declare bankruptcy this year if previous trends continue.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-0.42857
Negative
Harvard-IV (Absolute)
-0.42857
Negative
Harvard-IV (Logit)
-0.78846
VADER
-0.193
Leans Negative
Moderation
Violence > Graphic
0.0256101135
OpenAI Moderation v1 (007)
Violence
0.0077457924
OpenAI Moderation v1 (007)
Harassment
0.0044519285
OpenAI Moderation v1 (007)
Sexual
0.001227864
OpenAI Moderation v1 (007)
Self-Harm
0.0007736524
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003813028
OpenAI Moderation v1 (007)
Hate
0.0003048075
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001764323
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.73892E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.835E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.6838E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
63.2
Gunning-Fog Score
9.9
Coleman-Liau Index
11.8
SMOG Index
10.8
Automated Readability Index
5.9
Dale-Chall Readability Score
5.8
Sprache Readability Score
3
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13

Chuck Grassley

Since 1990, the rate of personal bankruptcy filings are up an amazing 94.7 percent. That's almost 100 percent increase in bankruptcies -- and all during a time of very high prosperity.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.701
Very Positive
Moderation
Sexual
0.0022162858
OpenAI Moderation v1 (007)
Violence
0.0010428012
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005687873
OpenAI Moderation v1 (007)
Violence > Graphic
0.0003580229
OpenAI Moderation v1 (007)
Harassment
0.0002634245
OpenAI Moderation v1 (007)
Harassment > Threatening
6.31639E-5
OpenAI Moderation v1 (007)
Hate
4.51653E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.01192E-5
OpenAI Moderation v1 (007)
Self-Harm
6.2535E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.0758E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.634E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
64.7
Gunning-Fog Score
12.7
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
7.6
Dale-Chall Readability Score
5.5
Sprache Readability Score
3.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
8

Chuck Grassley

Of course, bankruptcy and taxes are linked, since consumers who pay their own way are penalized by having to pick the tab for irresponsible bankrupts who walk away from debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.66667
Very Negative
Harvard-IV (Absolute)
-0.66667
Very Negative
Harvard-IV (Logit)
-1.29928
VADER
-0.7
Very Negative
Moderation
Harassment
4.3212786317
OpenAI Moderation v1 (007)
Hate
0.0656061049
OpenAI Moderation v1 (007)
Violence
0.0507129473
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0224483127
OpenAI Moderation v1 (007)
Self-Harm
0.0020766744
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014109007
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010325826
OpenAI Moderation v1 (007)
Sexual
0.0007879277
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000171225
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001586825
OpenAI Moderation v1 (007)
Hate > Threatening
3.34535E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.3
Gunning-Fog Score
17.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10

Chuck Grassley

Over 30 years ago, Senator Albert Gore, Senior, described this connection between tax burdens and bankruptcies on the Senate floor. He said that chapter 7 is like a special interest tax loophole. Like tax loopholes, chapter 7 allows someone to get out of paying his fair share and to shift costs to the hard working Americans who play by these rules.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.914
Very Positive
Moderation
Violence > Graphic
0.0414291804
OpenAI Moderation v1 (007)
Violence
0.0113153532
OpenAI Moderation v1 (007)
Harassment
0.005661578
OpenAI Moderation v1 (007)
Sexual
0.0018116527
OpenAI Moderation v1 (007)
Hate
0.0006136474
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006135907
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002004677
OpenAI Moderation v1 (007)
Self-Harm
6.72167E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.16E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.1144E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.765E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.4
Flesch-Kincaid Ease
64.2
Gunning-Fog Score
10.8
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
10.3
Dale-Chall Readability Score
5.9
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
21

Chuck Grassley

I think that Senator Gore had it exactly right. Bankruptcy reform is all about closing loopholes so well-to-do scoundrels can't get out of paying their fair share.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
0.542
Very Positive
Moderation
Violence > Graphic
0.016664897
OpenAI Moderation v1 (007)
Violence
0.0114529241
OpenAI Moderation v1 (007)
Sexual
0.0026912136
OpenAI Moderation v1 (007)
Harassment
0.000684232
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005031285
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001801887
OpenAI Moderation v1 (007)
Hate
8.35438E-5
OpenAI Moderation v1 (007)
Self-Harm
7.68587E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.36908E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.314E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.755E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
72.5
Gunning-Fog Score
8.6
Coleman-Liau Index
11
SMOG Index
10.3
Automated Readability Index
7.3
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10

Chuck Grassley

In the last Congress, we almost closed the chapter 7 loophole. The Senate and the House both passed good bills, and we made them both better in conference that received overwhelming bipartisan support.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.818
Very Positive
Moderation
Violence > Graphic
0.0088428307
OpenAI Moderation v1 (007)
Violence
0.0023366572
OpenAI Moderation v1 (007)
Sexual
0.0009236515
OpenAI Moderation v1 (007)
Self-Harm
0.0004194505
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000332102
OpenAI Moderation v1 (007)
Harassment
0.0001916265
OpenAI Moderation v1 (007)
Hate
9.59464E-5
OpenAI Moderation v1 (007)
Sexual > Minors
8.48873E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.21173E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.48252E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.4737E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
64.5
Gunning-Fog Score
10.2
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
10.2
Dale-Chall Readability Score
6.1
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
12

Chuck Grassley

In the conference report, we have a means testing with an overlay of judicial discretion. We have new consumer protections, and I think that is why the conference report received such overwhelming support in the House of Representatives last Congress.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.402
Positive
Moderation
Sexual
0.0133787806
OpenAI Moderation v1 (007)
Sexual > Minors
0.007727481
OpenAI Moderation v1 (007)
Violence
0.0065726294
OpenAI Moderation v1 (007)
Harassment
0.0044627632
OpenAI Moderation v1 (007)
Violence > Graphic
0.0022610706
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000568263
OpenAI Moderation v1 (007)
Self-Harm
0.0002070365
OpenAI Moderation v1 (007)
Hate
0.0001474742
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.76616E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.39647E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.934E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.7
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.1
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
13

Chuck Grassley

In my view, last year's conference report is a good starting point. With some modifications, I think it is a package that will continue to have broad bipartisan support. I have been working with Senator Torricelli, my ranking member, and his staff on this basis, and I think that things are going well.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.772
Very Positive
Moderation
Violence
0.0239701491
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017845972
OpenAI Moderation v1 (007)
Harassment
0.0013681109
OpenAI Moderation v1 (007)
Sexual
0.0012883428
OpenAI Moderation v1 (007)
Sexual > Minors
7.77821E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
7.05882E-5
OpenAI Moderation v1 (007)
Hate
6.42472E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.11651E-5
OpenAI Moderation v1 (007)
Self-Harm
5.7923E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.0644E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.072E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
66
Gunning-Fog Score
10.1
Coleman-Liau Index
11
SMOG Index
11.3
Automated Readability Index
8.8
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
18

Chuck Grassley

I want to close with a quote on the need of bankruptcy reform. "I realize that we cannot legislate morals. But we, as responsible legislators, must bear the responsibility of writing laws which discourage immorality and encourage morality; which honesty and discourage deadbeating; which make the path of social malingering and shirker sufficiently unpleasant to persuade him" -- and a I can say parenthetically or her -- "at least to investigate the ways of an honest person."
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.477
Positive
Moderation
Violence > Graphic
0.0156056893
OpenAI Moderation v1 (007)
Sexual
0.0136715404
OpenAI Moderation v1 (007)
Violence
0.0083595543
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0067423454
OpenAI Moderation v1 (007)
Harassment
0.002932767
OpenAI Moderation v1 (007)
Self-Harm
0.0008293286
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006274602
OpenAI Moderation v1 (007)
Hate
0.0001690874
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.11554E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.2818E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.581E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
29.2
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
27

Chuck Grassley

Now, who do you think said that? Some cold-hearted conservative? Some Republican spindoctor? No, that was Senator Albert Gore, Senior, the Vice President's father. He said that on January the 19th, as we was introducing at that time a bill that was called S. 613, to impose a means test on chapter 7 bankrupts. My point is that the need to tighten up bankruptcy laws in a meaningful way has deep roots on both sides of the aisle. And it is based on common sense.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.09091
Neutral
Harvard-IV (Absolute)
-0.09091
Neutral
Harvard-IV (Logit)
-0.16705
VADER
-0.39
Somewhat Negative
Moderation
Sexual
0.004510787
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017620529
OpenAI Moderation v1 (007)
Violence
0.0016419383
OpenAI Moderation v1 (007)
Harassment
0.0005856628
OpenAI Moderation v1 (007)
Self-Harm
0.000377305
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000290058
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001661478
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001321733
OpenAI Moderation v1 (007)
Hate
6.06398E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.0517E-6
OpenAI Moderation v1 (007)
Hate > Threatening
8.528E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.7
Flesch-Kincaid Ease
80.8
Gunning-Fog Score
6.6
Coleman-Liau Index
8.6
SMOG Index
9.3
Automated Readability Index
3.4
Dale-Chall Readability Score
4.8
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
28

Chuck Grassley

Last year, we came very close. This year, I hope that we can work together on the people's business and get meaningful bankruptcy reform finally done and to the President for his signature. Thank you very much.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.772
Very Positive
Moderation
Harassment
0.345623563
OpenAI Moderation v1 (007)
Hate
0.0246097421
OpenAI Moderation v1 (007)
Harassment > Threatening
0.016859117
OpenAI Moderation v1 (007)
Violence > Graphic
0.0166853439
OpenAI Moderation v1 (007)
Violence
0.0081987084
OpenAI Moderation v1 (007)
Self-Harm
0.0053938409
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010091268
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003372405
OpenAI Moderation v1 (007)
Sexual
0.000215857
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001060065
OpenAI Moderation v1 (007)
Hate > Threatening
2.40927E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.1
Flesch-Kincaid Ease
73.1
Gunning-Fog Score
10.3
Coleman-Liau Index
10.9
SMOG Index
10.6
Automated Readability Index
6.1
Dale-Chall Readability Score
3.6
Sprache Readability Score
2.9
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
9

Note

[The prepared statement of Senator Grassley follows:] Prepared Statement of Hon. Charles E. Grassley, a U.S. Senator from the State of Iowa
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Sexual
0.0043486176
OpenAI Moderation v1 (007)
Violence > Graphic
0.0025810632
OpenAI Moderation v1 (007)
Violence
0.0009618807
OpenAI Moderation v1 (007)
Harassment
0.000247471
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001850153
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001788794
OpenAI Moderation v1 (007)
Hate
2.69128E-5
OpenAI Moderation v1 (007)
Self-Harm
1.51584E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.49142E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.7646E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.1217E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.4
Flesch-Kincaid Ease
76.7
Gunning-Fog Score
3.8
Coleman-Liau Index
8.4
SMOG Index
6.9
Automated Readability Index
0
Dale-Chall Readability Score
7.1
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

Chuck Grassley

At the outset, Mr. Gekas, I want to apologize for the votes in the Senate which have prevented me from being here or being more involved in this hearing. I know we have an Iowan testifying today. I'm certain that Mr. Larry Nuss from Cedar Falls, Iowa will grace this joint hearing with some good Iowa common-sense.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.823
Very Positive
Moderation
Violence > Graphic
0.0112264184
OpenAI Moderation v1 (007)
Harassment
0.0024838822
OpenAI Moderation v1 (007)
Violence
0.0020029544
OpenAI Moderation v1 (007)
Self-Harm
0.0007136985
OpenAI Moderation v1 (007)
Hate
0.0002724622
OpenAI Moderation v1 (007)
Sexual > Minors
0.000229923
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001842104
OpenAI Moderation v1 (007)
Sexual
0.0001444293
OpenAI Moderation v1 (007)
Harassment > Threatening
8.05001E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.85139E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.3144E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.2
Flesch-Kincaid Ease
71.1
Gunning-Fog Score
6.7
Coleman-Liau Index
9.4
SMOG Index
9.5
Automated Readability Index
4.5
Dale-Chall Readability Score
5.7
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
21

Chuck Grassley

The Library of Congress tells me that this is the first joint hearing on bankruptcy reform since 1932. With today's scheduling problems, I think I understand why. But this is an historical moment and we should all recognize it as such.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.402
Negative
Moderation
Violence > Graphic
0.0166955608
OpenAI Moderation v1 (007)
Violence
0.0088219087
OpenAI Moderation v1 (007)
Harassment
0.0034381454
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006071944
OpenAI Moderation v1 (007)
Sexual
0.0005719106
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000208241
OpenAI Moderation v1 (007)
Hate
0.0001339967
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.25858E-5
OpenAI Moderation v1 (007)
Self-Harm
3.99845E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.33615E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.3025E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
71.2
Gunning-Fog Score
10.3
Coleman-Liau Index
10.9
SMOG Index
11.3
Automated Readability Index
6.8
Dale-Chall Readability Score
4.1
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11

Chuck Grassley

I think that the need for real bankruptcy reform is pretty obvious. You don't need an army of so-called scientists, law professors and pointy-heads to tell us that we have a serious bankruptcy problem.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.42857
Negative
Harvard-IV (Absolute)
-0.42857
Negative
Harvard-IV (Logit)
-0.78846
VADER
0.052
Neutral
Moderation
Sexual
0.0061124971
OpenAI Moderation v1 (007)
Violence
0.0022856271
OpenAI Moderation v1 (007)
Sexual > Minors
0.0022022854
OpenAI Moderation v1 (007)
Harassment
0.0008037685
OpenAI Moderation v1 (007)
Violence > Graphic
0.000706911
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001376339
OpenAI Moderation v1 (007)
Hate
6.3907E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.0804E-6
OpenAI Moderation v1 (007)
Self-Harm
6.954E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.525E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.635E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
64
Gunning-Fog Score
12.8
Coleman-Liau Index
10.7
SMOG Index
12
Automated Readability Index
8.8
Dale-Chall Readability Score
5.7
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
10

Chuck Grassley

These are good times in America. Thanks to the hard work of a Republican Congress, we have the first balanced budget in a generation. Unemployment is low, we have a solid stock market and most Americans are optimistic about the future.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.556
Very Positive
Moderation
Violence > Graphic
0.0023109571
OpenAI Moderation v1 (007)
Harassment
0.0018517863
OpenAI Moderation v1 (007)
Violence
0.0015891424
OpenAI Moderation v1 (007)
Sexual
0.0010731985
OpenAI Moderation v1 (007)
Self-Harm
0.0005818521
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005397857
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001344577
OpenAI Moderation v1 (007)
Sexual > Minors
5.87748E-5
OpenAI Moderation v1 (007)
Hate
3.63033E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.1088E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.3414E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
56.8
Gunning-Fog Score
8.4
Coleman-Liau Index
11.5
SMOG Index
11.3
Automated Readability Index
7.2
Dale-Chall Readability Score
4.9
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
12

Chuck Grassley

Despite the successes I just cited, we still need to shape up our economy. Our taxes are too high and our bankruptcy system needs to be fixed. About one and a half million Americans will declare bankruptcy this year if previous trends continue. Since 1990 the rate of personal bankruptcy filings are up an amazing 94.7 percent. That's almost a 100% increase in bankruptcies during a time of prosperity.
Sentiment
Loughran McDonald (Relative)
-0.14286
Leans Negative
Loughran McDonald (Absolute)
-0.14286
Leans Negative
Loughran McDonald (Logit)
-0.25131
Harvard-IV (Relative)
-0.27273
Slightly Negative
Harvard-IV (Absolute)
-0.27273
Slightly Negative
Harvard-IV (Logit)
-0.51083
VADER
0.62
Very Positive
Moderation
Violence
0.0046561439
OpenAI Moderation v1 (007)
Harassment
0.0037250418
OpenAI Moderation v1 (007)
Hate
0.0035739624
OpenAI Moderation v1 (007)
Sexual
0.0026108222
OpenAI Moderation v1 (007)
Violence > Graphic
0.002519032
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001506503
OpenAI Moderation v1 (007)
Harassment > Threatening
6.80788E-5
OpenAI Moderation v1 (007)
Self-Harm
4.38284E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.8877E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.977E-7
OpenAI Moderation v1 (007)
Hate > Threatening
1.102E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
62.9
Gunning-Fog Score
11.9
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
7
Dale-Chall Readability Score
5.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
20

Chuck Grassley

Of course, bankruptcy and taxes are linked since consumers who pay their own way are penalized by having to pick up the tab for irresponsible bankrupts who walk away from their debts. Over 30 years ago, Senator Albert Gore, Sr. described this connection between tax burdens and bankruptcy on the Senate floor. He said that chapter 7 is like a special interest tax loophole. Like tax loopholes, chapter 7 allows someone to get out of paying his fair share and shift costs to hardworking Americans who play by the rules.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.38566
VADER
0.869
Very Positive
Moderation
Violence > Graphic
0.0039957504
OpenAI Moderation v1 (007)
Sexual
0.0009163824
OpenAI Moderation v1 (007)
Violence
0.0005576488
OpenAI Moderation v1 (007)
Harassment
0.0001500963
OpenAI Moderation v1 (007)
Self-Harm
0.0001326035
OpenAI Moderation v1 (007)
Harassment > Threatening
9.53855E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.04984E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.83029E-5
OpenAI Moderation v1 (007)
Hate
2.8438E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.0879E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.108E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
11.2
Coleman-Liau Index
11.4
SMOG Index
11.7
Automated Readability Index
9.3
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
30

Chuck Grassley

I think that Senator Gore had it exactly right. Bankruptcy reform is all about closing loopholes so well-to-do scoundrels can get out of paying their fair share.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
0.542
Very Positive
Moderation
Harassment
0.0695539638
OpenAI Moderation v1 (007)
Violence > Graphic
0.0142251723
OpenAI Moderation v1 (007)
Hate
0.0103791448
OpenAI Moderation v1 (007)
Violence
0.0091072259
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017824474
OpenAI Moderation v1 (007)
Self-Harm
0.0017368109
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003351778
OpenAI Moderation v1 (007)
Sexual
0.0002598492
OpenAI Moderation v1 (007)
Sexual > Minors
5.98022E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.56456E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.5835E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
72.5
Gunning-Fog Score
8.6
Coleman-Liau Index
10.8
SMOG Index
10.3
Automated Readability Index
7.1
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10

Chuck Grassley

In the last Congress we almost closed the chapter 7 loophole. The Senate and House both passed good bills, and we made them both better in a conference that received overwhelming bi-partisan support. In the conference report, we have means-testing with an overlay of judicial discretion. We have new consumer protections. And I think that's why the conference report received such overwhelming support in the House of Representatives last Congress.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.22378
VADER
0.881
Very Positive
Moderation
Violence > Graphic
0.0636413752
OpenAI Moderation v1 (007)
Violence
0.0139216485
OpenAI Moderation v1 (007)
Sexual
0.0136024406
OpenAI Moderation v1 (007)
Harassment
0.0041138421
OpenAI Moderation v1 (007)
Sexual > Minors
0.0018374687
OpenAI Moderation v1 (007)
Hate
0.0006191531
OpenAI Moderation v1 (007)
Self-Harm
0.0001716591
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.25368E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
1.74339E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.1425E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.8198E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
57.1
Gunning-Fog Score
11.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.8
Dale-Chall Readability Score
6.2
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
21

Chuck Grassley

In my view, last year's conference report is a good starting point. With some modifications, I think it's a package that will continue to have broad bi-partisan support. I have been working with Senator Torricelli, my new Ranking Member, and his staff on this basis and I think that things are going well.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.772
Very Positive
Moderation
Violence
0.0126491577
OpenAI Moderation v1 (007)
Violence > Graphic
0.0084522893
OpenAI Moderation v1 (007)
Harassment
0.0016860396
OpenAI Moderation v1 (007)
Sexual
0.001011825
OpenAI Moderation v1 (007)
Self-Harm
0.0006807784
OpenAI Moderation v1 (007)
Hate
0.0001724459
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000150983
OpenAI Moderation v1 (007)
Sexual > Minors
6.66903E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.95402E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.17284E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.3167E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.3
Flesch-Kincaid Ease
67.9
Gunning-Fog Score
10.2
Coleman-Liau Index
10.7
SMOG Index
11.3
Automated Readability Index
8.8
Dale-Chall Readability Score
5
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
19

Chuck Grassley

I'll close with this quote on the need for bankruptcy reform: "I realize that we cannot legislate morals, but we, as responsible legislators, must bear the responsibility of writing laws which discourage immorality and encourage morality; which encourage honesty and discourage deadbeating; which make the path of the social malingerer and shirker sufficiently unpleasant to persuade him at least to investigate the way of the honest man." Now, who do you think said this? Some cold-hearted conservative? Some Republican spin doctor?
Sentiment
Loughran McDonald (Relative)
-0.42857
Negative
Loughran McDonald (Absolute)
-0.42857
Negative
Loughran McDonald (Logit)
-0.78846
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
0.865
Very Positive
Moderation
Violence
0.0127301086
OpenAI Moderation v1 (007)
Violence > Graphic
0.0064303051
OpenAI Moderation v1 (007)
Harassment
0.0014608238
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001144887
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.05016E-5
OpenAI Moderation v1 (007)
Self-Harm
8.94183E-5
OpenAI Moderation v1 (007)
Hate
4.82108E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.80806E-5
OpenAI Moderation v1 (007)
Sexual
6.7525E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1353E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.635E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.4
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
31

Chuck Grassley

No, Senator Albert Gore, Sr. -- the Vice-President's father -- said this on January 19, 1965 as he was introducing S. 613 to impose a means-test on chapter 7 bankrupts. My point is that the need to tighten up bankruptcy laws in a meaningful way has deep roots on both sides of the aisle and is based on common sense. Last year we came very close. This year, I hope that we can work together on the people's business and get meaningful bankruptcy reform done.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.27273
Slightly Negative
Harvard-IV (Absolute)
-0.27273
Slightly Negative
Harvard-IV (Logit)
-0.51083
VADER
0.477
Positive
Moderation
Violence
0.0140056523
OpenAI Moderation v1 (007)
Hate
0.0105906678
OpenAI Moderation v1 (007)
Harassment
0.0086103551
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019660079
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012850248
OpenAI Moderation v1 (007)
Sexual
0.0003391262
OpenAI Moderation v1 (007)
Sexual > Minors
2.41493E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.46898E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.3547E-6
OpenAI Moderation v1 (007)
Self-Harm
1.0207E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.588E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.6
Flesch-Kincaid Ease
80
Gunning-Fog Score
8.5
Coleman-Liau Index
8.2
SMOG Index
9.9
Automated Readability Index
4.8
Dale-Chall Readability Score
4.8
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
25

George Gekas

We thank the Senator for that statement, and, of course, he has the run of the mill here. He may leave at any time to answer the call of the Senate. In the meantime, we acknowledge the presence of the gentleman from Arkansas, Mr. Hutchinson, and the gentleman from Tennessee, Mr. Bryant, their presence accounting for a hearing quorum for the House of Representatives, thus permitting us to proceed with this hearing.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.318
Somewhat Positive
Moderation
Violence > Graphic
0.0307960552
OpenAI Moderation v1 (007)
Violence
0.0171272593
OpenAI Moderation v1 (007)
Harassment
0.0012870864
OpenAI Moderation v1 (007)
Self-Harm
0.0005077806
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004873984
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002932449
OpenAI Moderation v1 (007)
Sexual
0.0001711736
OpenAI Moderation v1 (007)
Hate
0.0001163451
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.03975E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.23369E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.5087E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
67.7
Gunning-Fog Score
9.1
Coleman-Liau Index
11.3
SMOG Index
11.3
Automated Readability Index
7.5
Dale-Chall Readability Score
5.1
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
20

George Gekas

We also want to acknowledge the visitation by Congressman Smith of Michigan who was the author of and for the impetus providing a short-term extension of chapter 12 until we can deal with it in the comprehensive way we plan to do as part of this bankruptcy reform effort. We can report to him that the Senate seems poised to act on the bill at a propitious stage in their proceedings.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.511
Very Positive
Moderation
Violence
0.0447284518
OpenAI Moderation v1 (007)
Harassment
0.0117368283
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0053325035
OpenAI Moderation v1 (007)
Violence > Graphic
0.001735518
OpenAI Moderation v1 (007)
Hate
0.0003441517
OpenAI Moderation v1 (007)
Sexual
0.0002966269
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002060076
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000156684
OpenAI Moderation v1 (007)
Self-Harm
0.000132891
OpenAI Moderation v1 (007)
Hate > Threatening
6.70836E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.92986E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
45.7
Gunning-Fog Score
19
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
23

George Gekas

We acknowledge the presence of Senator Dodd. Does the Senator wish to make a 2-minute statement?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.402
Positive
Moderation
Violence > Graphic
0.010399949
OpenAI Moderation v1 (007)
Violence
0.003197946
OpenAI Moderation v1 (007)
Hate
0.0007818177
OpenAI Moderation v1 (007)
Harassment
0.0004758033
OpenAI Moderation v1 (007)
Sexual
0.0004035929
OpenAI Moderation v1 (007)
Self-Harm
0.0003012794
OpenAI Moderation v1 (007)
Sexual > Minors
9.02455E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.92368E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
3.21077E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.30201E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.4914E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.1
Flesch-Kincaid Ease
73.8
Gunning-Fog Score
5.8
Coleman-Liau Index
10.8
SMOG Index
10.3
Automated Readability Index
4.2
Dale-Chall Readability Score
6
Sprache Readability Score
2.1
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
5

George Gekas

We recognize the Senator.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence
0.0180199917
OpenAI Moderation v1 (007)
Sexual > Minors
0.0093612878
OpenAI Moderation v1 (007)
Violence > Graphic
0.0073817588
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0036143723
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0034676625
OpenAI Moderation v1 (007)
Harassment
0.0032646742
OpenAI Moderation v1 (007)
Self-Harm
0.0014375332
OpenAI Moderation v1 (007)
Sexual
0.0014164713
OpenAI Moderation v1 (007)
Hate
0.0006022096
OpenAI Moderation v1 (007)
Hate > Threatening
5.13135E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.93081E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
33.6
Gunning-Fog Score
11.6
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
5.3
Dale-Chall Readability Score
8.1
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

Thomas Dodd

I am going to ask unanimous consent, Mr. Chairman, that these remarks be included in the record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.226
Slightly Positive
Moderation
Violence > Graphic
0.0155598653
OpenAI Moderation v1 (007)
Violence
0.0082031656
OpenAI Moderation v1 (007)
Sexual
0.0078296202
OpenAI Moderation v1 (007)
Sexual > Minors
0.0032879165
OpenAI Moderation v1 (007)
Harassment
0.0024516787
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000502052
OpenAI Moderation v1 (007)
Hate
0.0004010438
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.86521E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.55974E-5
OpenAI Moderation v1 (007)
Self-Harm
7.2117E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.0589E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.8
Flesch-Kincaid Ease
68.8
Gunning-Fog Score
8.1
Coleman-Liau Index
10.5
SMOG Index
9
Automated Readability Index
3.9
Dale-Chall Readability Score
6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8

Thomas Dodd

Let me thank you for doing this. I think it is a wonderful idea to have a joint hearing and to invite those of us who were involved in last year's bankruptcy reform effort. I am not a member of the Senate Judiciary Committee. I did, however, sit in this very committee room as a freshman member of the House a number of years ago. As you know, several of us here today were very involved in last year's bankruptcy reform and were responsible for a number of provisions in the Senate adopted legislation, which, as you know, passed 97 to 1, and represents a strong bipartisan commitment to bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.07692
Neutral
Harvard-IV (Absolute)
0.07692
Neutral
Harvard-IV (Logit)
0.1431
VADER
0.939
Very Positive
Moderation
Violence
0.0052982283
OpenAI Moderation v1 (007)
Sexual
0.004210636
OpenAI Moderation v1 (007)
Harassment
0.001595219
OpenAI Moderation v1 (007)
Violence > Graphic
0.0011320991
OpenAI Moderation v1 (007)
Hate
0.0006636651
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005859248
OpenAI Moderation v1 (007)
Self-Harm
0.0004634548
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004009012
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001901044
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.16859E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.5204E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
57
Gunning-Fog Score
14.3
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
10
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
23

Thomas Dodd

Clearly, we need to reform the bankruptcy laws. You've been over the statistics, the 400 percent increase in the number of bankruptcies since 1980. The social stigma of going bankrupt appears to be gone -- and this is obviously a serious problem.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.71429
Very Negative
Harvard-IV (Absolute)
-0.71429
Very Negative
Harvard-IV (Logit)
-1.46634
VADER
-0.318
Somewhat Negative
Moderation
Sexual
0.0097301912
OpenAI Moderation v1 (007)
Sexual > Minors
0.0076660486
OpenAI Moderation v1 (007)
Harassment
0.0064675602
OpenAI Moderation v1 (007)
Violence
0.0054400112
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031625834
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007887502
OpenAI Moderation v1 (007)
Self-Harm
0.000335836
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003109725
OpenAI Moderation v1 (007)
Hate
0.0002171307
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.11073E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.9974E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.3
Flesch-Kincaid Ease
67.1
Gunning-Fog Score
10.3
Coleman-Liau Index
11.5
SMOG Index
10.6
Automated Readability Index
7.2
Dale-Chall Readability Score
6.1
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
14

Thomas Dodd

My statement today, Mr. Chairman, is really an effort to highlight the provisions that the Senate included in its bipartisan bill, a bill that passed the Senate by such an overwhelming majority. I urge you in the House bill -- we do not have a Senate bill yet -- to include some of these provisions.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.34
Somewhat Positive
Moderation
Violence
0.0511273043
OpenAI Moderation v1 (007)
Sexual
0.0163264209
OpenAI Moderation v1 (007)
Sexual > Minors
0.0150637774
OpenAI Moderation v1 (007)
Violence > Graphic
0.0068694513
OpenAI Moderation v1 (007)
Harassment
0.0055229088
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0044332788
OpenAI Moderation v1 (007)
Self-Harm
0.0005551247
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003861939
OpenAI Moderation v1 (007)
Hate
0.0002631094
OpenAI Moderation v1 (007)
Hate > Threatening
8.23591E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.09895E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
61.2
Gunning-Fog Score
12.3
Coleman-Liau Index
10.3
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
5.9
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
16

Thomas Dodd

For instance, we requested that the credit card companies give a real life example to consumers in their credit card statement. If Senator Dodd or Chairman Gekas have a $3,000 credit card obligation, how long will it take us to pay it off if we pay just the minimum payment on this obligation. We wanted to give consumers a sense of what their obligations are going to be so they act more responsibly when they go into financial arrangements.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.29584
VADER
0.718
Very Positive
Moderation
Violence > Graphic
0.0059689286
OpenAI Moderation v1 (007)
Violence
0.0058394413
OpenAI Moderation v1 (007)
Sexual
0.0035497807
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011117652
OpenAI Moderation v1 (007)
Harassment
0.0006951767
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002778496
OpenAI Moderation v1 (007)
Self-Harm
0.0002576889
OpenAI Moderation v1 (007)
Hate
1.34147E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.25766E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.9014E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.963E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.9
Gunning-Fog Score
16.7
Coleman-Liau Index
10.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
20

Thomas Dodd

Your bill has a hypothetical disclosure using a $500 example. We think it is more instructive for consumers to know exactly what their own obligations are going to be.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0
Neutral
Moderation
Sexual
0.0790341466
OpenAI Moderation v1 (007)
Violence
0.0116777948
OpenAI Moderation v1 (007)
Violence > Graphic
0.0086666172
OpenAI Moderation v1 (007)
Harassment
0.0035664922
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018671661
OpenAI Moderation v1 (007)
Sexual > Minors
0.0016971773
OpenAI Moderation v1 (007)
Self-Harm
0.0010523971
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0009925652
OpenAI Moderation v1 (007)
Hate
0.000155827
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001228351
OpenAI Moderation v1 (007)
Hate > Threatening
2.81642E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
57.9
Gunning-Fog Score
15.5
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
7.4
Dale-Chall Readability Score
5.1
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10

Thomas Dodd

We also want to raise our concerns during today's hearing about child support and alimony. Since the turn of the century, we have always prioritized certain creditors and spouses and children have been at the top of the list. We now have $43 billion in child support arrears and $16 billion in current child support due in this country. We do not want to make it more difficult for child support payments to be made. We think that these creditors still need to be protected and the Senate- passed bill had some good, strong, bipartisan language that did just that. We appreciate how helpful Senator Grassley was in helping us to place this language in last year's bill. Again, you are going to hear from a lot of different people today, and I apologize for sort of racing along here this morning, but I don't want to miss the vote in the Senate.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
0.923
Very Positive
Moderation
Violence > Graphic
0.0231002414
OpenAI Moderation v1 (007)
Violence
0.0214978936
OpenAI Moderation v1 (007)
Sexual
0.0051925024
OpenAI Moderation v1 (007)
Harassment
0.0010031672
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006890837
OpenAI Moderation v1 (007)
Self-Harm
0.0002741601
OpenAI Moderation v1 (007)
Sexual > Minors
0.000173472
OpenAI Moderation v1 (007)
Hate
0.0001565012
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.212E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.6114E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2438E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
65.8
Gunning-Fog Score
12.1
Coleman-Liau Index
10
SMOG Index
11.3
Automated Readability Index
10.1
Dale-Chall Readability Score
4.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
33

Thomas Dodd

I will leave this testimony for you to take a look at and urge you to consider what would get us closer to a bipartisan proposal in both Chambers on these provisions. I commend you again for holding this hearing today. I am sorry we didn't get bankruptcy reform done last year. It is critically important and necessary legislation.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
0.494
Positive
Moderation
Harassment
0.0066864799
OpenAI Moderation v1 (007)
Violence
0.0039742528
OpenAI Moderation v1 (007)
Hate
0.0021829335
OpenAI Moderation v1 (007)
Sexual
0.0009816436
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007496961
OpenAI Moderation v1 (007)
Sexual > Minors
9.16466E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
8.53304E-5
OpenAI Moderation v1 (007)
Self-Harm
5.30936E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.2945E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1231E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.725E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
55.6
Gunning-Fog Score
12.7
Coleman-Liau Index
10.9
SMOG Index
12
Automated Readability Index
7.3
Dale-Chall Readability Score
5
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
16

Note

[The prepared statement of Senator Dodd follows:] Prepared Statement of Hon. Christopher J. Dodd, a U.S. Senator from the State of Connecticut
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Violence
0.0071964976
OpenAI Moderation v1 (007)
Violence > Graphic
0.0047851143
OpenAI Moderation v1 (007)
Sexual
0.0015311965
OpenAI Moderation v1 (007)
Self-Harm
0.0013776881
OpenAI Moderation v1 (007)
Harassment
0.0013773847
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000332663
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002620206
OpenAI Moderation v1 (007)
Hate
8.1836E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.10306E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.73291E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.2058E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.1
Flesch-Kincaid Ease
71.4
Gunning-Fog Score
6.3
Coleman-Liau Index
11
SMOG Index
7.7
Automated Readability Index
1.7
Dale-Chall Readability Score
7.1
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

Thomas Dodd

I would like to thank Chairman Gekas, Chairman Grassley, Senator Torricelli and Representative Nadler for scheduling today's hearing on bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0.612
Very Positive
Moderation
Violence > Graphic
0.0353890209
OpenAI Moderation v1 (007)
Violence
0.0252467231
OpenAI Moderation v1 (007)
Self-Harm
0.0122504265
OpenAI Moderation v1 (007)
Harassment
0.0022112506
OpenAI Moderation v1 (007)
Sexual
0.0020473688
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013061226
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006903492
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002001758
OpenAI Moderation v1 (007)
Hate
5.76146E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.26993E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.8302E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16.3
Gunning-Fog Score
12.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
10
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
12

Thomas Dodd

Clearly, we need to reform our bankruptcy laws. There has been a 400 percent increase in personal bankruptcies since 1980. The most recent statistics from the Administrative Office of the U.S. Courts state that in the year ending June 30, 1998, more than 1.4 million people filed for bankruptcy, an all-time high. This alone represents an 8.5% increase from the previous year.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-2.19722
VADER
0.649
Very Positive
Moderation
Violence
0.0682886399
OpenAI Moderation v1 (007)
Harassment
0.0140579403
OpenAI Moderation v1 (007)
Violence > Graphic
0.0078450976
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0048625796
OpenAI Moderation v1 (007)
Sexual
0.0010490813
OpenAI Moderation v1 (007)
Self-Harm
0.0005826367
OpenAI Moderation v1 (007)
Hate
0.0003824167
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003402678
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.74055E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.44465E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.3058E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.8
Flesch-Kincaid Ease
79.7
Gunning-Fog Score
9.3
Coleman-Liau Index
10.3
SMOG Index
10.3
Automated Readability Index
4.8
Dale-Chall Readability Score
4.5
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
19

Thomas Dodd

Senators Hatch, Leahy, Grassley and Durbin worked hard last Congress to craft a strong, bipartisan and balanced bankruptcy reform bill, a bill which passed the Senate overwhelmingly by a 97-1 vote. While not perfect, S. 1301 took into account the interests of both consumers and creditors.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.384
Somewhat Positive
Moderation
Harassment
0.7274297532
OpenAI Moderation v1 (007)
Hate
0.1273990725
OpenAI Moderation v1 (007)
Self-Harm
0.1145880087
OpenAI Moderation v1 (007)
Violence
0.0982973026
OpenAI Moderation v1 (007)
Violence > Graphic
0.0304245856
OpenAI Moderation v1 (007)
Sexual
0.0219792579
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021226424
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.001935484
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002716002
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001646223
OpenAI Moderation v1 (007)
Hate > Threatening
1.23132E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.3
Flesch-Kincaid Ease
63.1
Gunning-Fog Score
11.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
6.8
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
21

Thomas Dodd

While asking consumers to take more responsibility for their personal debt, S. 1301 also gave consumers access to information that would help them make better financial choices pre-bankruptcy. These principles were agreed to on a bipartisan basis in the Senate. Regrettably, time was short at the end of last session, and a conference report was somewhat hastily concluded. As a result, a number of strong provisions supported by 97 members of the Senate were excluded from the conference report.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.691
Very Positive
Moderation
Harassment
0.0701525249
OpenAI Moderation v1 (007)
Self-Harm
0.0199756178
OpenAI Moderation v1 (007)
Violence
0.0153845103
OpenAI Moderation v1 (007)
Violence > Graphic
0.0131542824
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0057088757
OpenAI Moderation v1 (007)
Hate
0.0026703194
OpenAI Moderation v1 (007)
Sexual
0.001690156
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003609697
OpenAI Moderation v1 (007)
Sexual > Minors
9.91102E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.99166E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.33347E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
46.8
Gunning-Fog Score
15.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.2
Dale-Chall Readability Score
6.3
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
28

Thomas Dodd

One of the consumer protections in the Senate bill was co-authored by me, Senator Sarbanes and Senator Durbin -- an important new consumer protection regarding credit card debt. Today, many consumers are unaware of the implications of carrying credit card debt and making only the minimum monthly payment on that debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
-0.318
Somewhat Negative
Moderation
Harassment
0.0293901947
OpenAI Moderation v1 (007)
Violence
0.0192506122
OpenAI Moderation v1 (007)
Violence > Graphic
0.0076111915
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0047114572
OpenAI Moderation v1 (007)
Self-Harm
0.0017222734
OpenAI Moderation v1 (007)
Sexual
0.0005733719
OpenAI Moderation v1 (007)
Hate
0.0002825803
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001529184
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001149018
OpenAI Moderation v1 (007)
Hate > Threatening
4.6678E-6
OpenAI Moderation v1 (007)
Sexual > Minors
3.0751E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
31.7
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
19

Thomas Dodd

For instance, assume a consumer has $3000 in credit card debt. Then assume the interest rate that the consumer is paying on that debt is 17.5%, which is roughly the industry average. If the consumer makes only the monthly minimum payment on that debt, it will take 396 months or 33 years to pay it off. And with interest, the consumer will have paid a total of $9,658.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.70805
VADER
0.178
Leans Positive
Moderation
Sexual
0.0183087745
OpenAI Moderation v1 (007)
Harassment
0.0149297455
OpenAI Moderation v1 (007)
Violence
0.0114679606
OpenAI Moderation v1 (007)
Violence > Graphic
0.0068538648
OpenAI Moderation v1 (007)
Hate
0.0029404069
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017609458
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006187453
OpenAI Moderation v1 (007)
Self-Harm
0.0003398786
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001313393
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001081464
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.61794E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
77.8
Gunning-Fog Score
12.1
Coleman-Liau Index
7.4
SMOG Index
11.8
Automated Readability Index
5.8
Dale-Chall Readability Score
5.4
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
15

Thomas Dodd

Our amendment, which we also worked on with Senators Grassley and Hatch, would have required credit card issuers to inform consumers on their monthly billing statement not only how long it would take them to pay off a debt at the minimum monthly rate, but also how much money they would have paid in interest and principal on that debt. This amendment was based on a simple premise: the better-informed the consumer, the better that consumer's financial decisions will be.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
2.19722
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.94444
VADER
0.665
Very Positive
Moderation
Sexual
0.0296979735
OpenAI Moderation v1 (007)
Hate
0.0041161533
OpenAI Moderation v1 (007)
Violence
0.002503165
OpenAI Moderation v1 (007)
Harassment
0.0016527072
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013365259
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004396255
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003978139
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002444093
OpenAI Moderation v1 (007)
Self-Harm
0.0002384365
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.6869E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.19916E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
25

Thomas Dodd

No one can argue with the goal of increasing personal responsibility. However, we need to realize that a carrot sometimes is preferable to a stick: giving consumers more information about the long-term impact of their short-term credit decisions will encourage them to act more responsibly.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.4
Somewhat Positive
Harvard-IV (Absolute)
0.4
Somewhat Positive
Harvard-IV (Logit)
0.76214
VADER
0.572
Very Positive
Moderation
Violence
0.0055002503
OpenAI Moderation v1 (007)
Harassment
0.0041141517
OpenAI Moderation v1 (007)
Violence > Graphic
0.0038258619
OpenAI Moderation v1 (007)
Sexual
0.001965483
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014415694
OpenAI Moderation v1 (007)
Hate
0.0008631589
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002951539
OpenAI Moderation v1 (007)
Hate > Threatening
2.42335E-5
OpenAI Moderation v1 (007)
Self-Harm
2.988E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.21E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.81E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
17

Thomas Dodd

The credit disclosure provisions included in the Senate bill last year were balanced and fair. Yet they were replaced in the conference report with provisions that actually could confuse consumers. For instance, instead of the Senate provision requiring credit card issuers to disclose specific information about a consumer's specific debt, the conference report only required a hypothetical disclosure about a hypothetical $500 debt. Such a disclosure would be unhelpful -- and maybe even confusing -- to a consumer trying to understand the implications of carrying a specific debt with a much larger balance over a longer period of time. This problem is exacerbated if the disclosures are based on a teaser rate of interest rather than the interest rate that actually will be applied to the consumer's charges. Other provisions were replaced with requests for future study by the Federal Reserve. I hope that instead of studies and unhelpful disclosures, bankruptcy reform will contain the meaningful disclosures agreed to by 97 senators last fall.
Sentiment
Loughran McDonald (Relative)
-0.75
Very Negative
Loughran McDonald (Absolute)
-0.75
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.27444
VADER
0.572
Very Positive
Moderation
Harassment > Threatening
0.0250208919
OpenAI Moderation v1 (007)
Sexual
0.0114028626
OpenAI Moderation v1 (007)
Harassment
0.0088207657
OpenAI Moderation v1 (007)
Violence > Graphic
0.0080422986
OpenAI Moderation v1 (007)
Violence
0.0079893493
OpenAI Moderation v1 (007)
Sexual > Minors
0.0030547526
OpenAI Moderation v1 (007)
Hate
0.0026225134
OpenAI Moderation v1 (007)
Hate > Threatening
0.0008421707
OpenAI Moderation v1 (007)
Self-Harm
0.0003117701
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.74256E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.2373E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
31.9
Gunning-Fog Score
18.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
68
Sprache Difficult Word Count
53

Thomas Dodd

It is also my hope that we enact bankruptcy reform that properly protects children and families. As you know, for nearly 100 years our bankruptcy laws have adhered to a fundamental principal: that children and their innocent parents -- to the extent possible -- should not be impoverished by bankruptcy proceedings. Last year, I and others raised some concerns that perhaps this historical balance in favor of children was being shifted somewhat toward creditors.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.852
Very Positive
Moderation
Violence
0.0651765266
OpenAI Moderation v1 (007)
Sexual
0.0451341359
OpenAI Moderation v1 (007)
Hate
0.0123722712
OpenAI Moderation v1 (007)
Harassment
0.0106600521
OpenAI Moderation v1 (007)
Sexual > Minors
0.005877588
OpenAI Moderation v1 (007)
Harassment > Threatening
0.00361946
OpenAI Moderation v1 (007)
Violence > Graphic
0.0029173969
OpenAI Moderation v1 (007)
Hate > Threatening
0.0021119067
OpenAI Moderation v1 (007)
Self-Harm
1.83501E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.5579E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.288E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38
Gunning-Fog Score
17.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
24

Thomas Dodd

I worked with Chairman Grassley, Chairman Hatch, Senator Durbin and others to address these concerns. We were largely successful. For instance, we: 1. LProtected income from sources legitimately dedicated to the welfare of children, such as child support payments, foster care payments or disability payments from being dissipated and misdirected towards the payment of debts unrelated to the care and maintenance of children; 2. LEnsured that in bankruptcy, children and families are able to keep certain household goods which typically have no resale value. I am speaking about items such as toys, swings sets, video cassette recorders or other items used to help them raise their children; and 3. LAdded provisions that should help children and families collect child support debts such as permitting the conditioning of a chapter 13 confirmation upon the payment of child support payments and allowing the conditioning of a chapter 13 discharge upon the payment of all post-petition child support obligations. I hope that we can retain these and like provisions in this Congress.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.56522
Very Positive
Harvard-IV (Absolute)
0.56522
Very Positive
Harvard-IV (Logit)
1.21302
VADER
0.987
Very Positive
Moderation
Violence
0.2015514765
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0322978594
OpenAI Moderation v1 (007)
Violence > Graphic
0.0238626802
OpenAI Moderation v1 (007)
Sexual
0.0037992329
OpenAI Moderation v1 (007)
Harassment
0.0016399053
OpenAI Moderation v1 (007)
Hate
0.0005786481
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001981811
OpenAI Moderation v1 (007)
Hate > Threatening
9.81902E-5
OpenAI Moderation v1 (007)
Self-Harm
7.98319E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.329E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.223E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.9
Gunning-Fog Score
14.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
55
Sprache Difficult Word Count
55

Thomas Dodd

I am aware that the National Partnership for Women and Families, the National Women's Law Center and a variety of other women's organizations continue to object to provisions regarding the non- dischargeability of certain types of unsecured debt in the newly- introduced House bill, H.R. 833. These groups continue to express their concerns that such provisions will impede the ability of debtors to pay both for their post-bankruptcy expenses and to care for their dependents. I hope both the House and Senate subcommittees look into these issues very carefully.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.36842
Somewhat Positive
Harvard-IV (Absolute)
0.36842
Somewhat Positive
Harvard-IV (Logit)
0.73089
VADER
0.697
Very Positive
Moderation
Sexual
0.0500901777
OpenAI Moderation v1 (007)
Violence > Graphic
0.002040459
OpenAI Moderation v1 (007)
Violence
0.0020208226
OpenAI Moderation v1 (007)
Harassment
0.0017664155
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012040727
OpenAI Moderation v1 (007)
Self-Harm
0.0005998155
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003055642
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002506569
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001799145
OpenAI Moderation v1 (007)
Hate
0.0001425733
OpenAI Moderation v1 (007)
Hate > Threatening
1.8216E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
44.3
Gunning-Fog Score
14.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
6.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
33

Thomas Dodd

Finally, section 115 of the newly-introduced House bill entitled, "Protection of Savings Earmarked for the Postsecondary Education of Children," appears to be a version of my educational savings amendment from last year's Senate bill. As most of you know, I am a lawyer, and that provision fails, as best I can tell, to provide the exemption I intended. And it also appears to fail to protect against the commission of fraud. I would encourage appropriate committee staff to meet with members of my staff regarding this particular provision so that we can truly protect duly established college savings accounts, which were set up for the benefit of children, from being distributed to creditors. Just because a child's family has gone through a bankruptcy does not mean a child should not be able to go to college.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.58779
Harvard-IV (Relative)
0.58333
Very Positive
Harvard-IV (Absolute)
0.58333
Very Positive
Harvard-IV (Logit)
1.26567
VADER
0.863
Very Positive
Moderation
Violence
0.0469206541
OpenAI Moderation v1 (007)
Violence > Graphic
0.0162563781
OpenAI Moderation v1 (007)
Harassment
0.0119065917
OpenAI Moderation v1 (007)
Sexual
0.003384308
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019261228
OpenAI Moderation v1 (007)
Hate
0.0004466845
OpenAI Moderation v1 (007)
Sexual > Minors
0.000187833
OpenAI Moderation v1 (007)
Hate > Threatening
4.6377E-5
OpenAI Moderation v1 (007)
Self-Harm
1.3727E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.2093E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.486E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41.3
Gunning-Fog Score
17.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
43

Thomas Dodd

Again, I thank you for calling this hearing. I look forward to working with colleagues in both bodies to enact strong and balanced bankruptcy reform that strengthens the responsibilities not just of consumers, but also of creditors, and that protects innocent children from impoverishment.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.874
Very Positive
Moderation
Violence > Graphic
0.017603772
OpenAI Moderation v1 (007)
Sexual
0.0170469022
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0122874306
OpenAI Moderation v1 (007)
Violence
0.0071981318
OpenAI Moderation v1 (007)
Harassment
0.0029999439
OpenAI Moderation v1 (007)
Sexual > Minors
0.0021713005
OpenAI Moderation v1 (007)
Self-Harm
0.0013921289
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.18257E-5
OpenAI Moderation v1 (007)
Hate
4.13556E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.7907E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.923E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.4
Gunning-Fog Score
15.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.4
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
16

George Gekas

Without objection, the statement of the Senator will be included in the record. He can return to the Senate with the assurance that the hearing -- this one and the ones to follow, plus the final version of the bill -- will address the concerns that he has addressed.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.34
Somewhat Positive
Moderation
Violence
0.0022776549
OpenAI Moderation v1 (007)
Harassment
0.0019188425
OpenAI Moderation v1 (007)
Sexual
0.0018301133
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005613625
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004119257
OpenAI Moderation v1 (007)
Hate
6.27286E-5
OpenAI Moderation v1 (007)
Self-Harm
2.00113E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.94679E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.7546E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.6489E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.752E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.4
Flesch-Kincaid Ease
62.4
Gunning-Fog Score
12.8
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
5.2
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14

Thomas Dodd

Thank you, Chairman, very, very much. Thank you.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.678
Very Positive
Moderation
Violence
0.0196294553
OpenAI Moderation v1 (007)
Harassment
0.0073186413
OpenAI Moderation v1 (007)
Violence > Graphic
0.0053590735
OpenAI Moderation v1 (007)
Harassment > Threatening
0.002837108
OpenAI Moderation v1 (007)
Self-Harm
0.0017370445
OpenAI Moderation v1 (007)
Sexual
0.0012602114
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003218548
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003076276
OpenAI Moderation v1 (007)
Hate
0.0002336144
OpenAI Moderation v1 (007)
Hate > Threatening
6.78E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.8884E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.2
Flesch-Kincaid Ease
86.5
Gunning-Fog Score
1.6
Coleman-Liau Index
10.6
SMOG Index
3.3
Automated Readability Index
1.8
Dale-Chall Readability Score
2.2
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

George Gekas

We thank you. The Chair now notes the presence of the gentleman from New York, Mr. Nadler, the ranking member of the committee; the lady from Wisconsin, Ms. Baldwin; and the gentleman from Massachusetts, Mr. Delahunt. Mr. Manager Hutchinson and Mr. Manager Bryant -- to revive memories -- have already been recorded in their presence. We will begin with hearing from Congressman Sessions, who was going to be joined by Senator Kohl to present the pros and cons of the homestead exemption solution that we arrived at last year. Congressman Sessions has been in the forefront of pressing for bankruptcy reform and, indeed, is a co-sponsor of the current legislation. He and Senator Kohl were to be supplying opening statements. Because Senator Kohl is not here, we will instruct staff to inform the Senator's staff that his statement will be made a part of the record, and that we will hear from his opposite number, Congressman Sessions at this juncture.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.38462
Somewhat Positive
Harvard-IV (Absolute)
0.38462
Somewhat Positive
Harvard-IV (Logit)
0.74721
VADER
0.758
Very Positive
Moderation
Harassment
0.0737179827
OpenAI Moderation v1 (007)
Violence
0.0502834679
OpenAI Moderation v1 (007)
Self-Harm
0.0246259151
OpenAI Moderation v1 (007)
Violence > Graphic
0.0239066751
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021903865
OpenAI Moderation v1 (007)
Sexual
0.0013845529
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0009988333
OpenAI Moderation v1 (007)
Hate
0.0008144227
OpenAI Moderation v1 (007)
Sexual > Minors
0.000172095
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001719814
OpenAI Moderation v1 (007)
Hate > Threatening
6.309E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
62
Gunning-Fog Score
9.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.8
Dale-Chall Readability Score
6.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
57
Sprache Difficult Word Count
49

Note

[The prepared statement of Senator Kohl follows:] Prepared Statement of Hon. Herb Kohl, a U.S. Senator from the State of Wisconsin
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Harassment
0.0313726487
OpenAI Moderation v1 (007)
Violence
0.0235181127
OpenAI Moderation v1 (007)
Violence > Graphic
0.0169410909
OpenAI Moderation v1 (007)
Self-Harm
0.003993903
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024862709
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007593981
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0007234616
OpenAI Moderation v1 (007)
Hate
0.0004788934
OpenAI Moderation v1 (007)
Sexual
0.0001923978
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001776727
OpenAI Moderation v1 (007)
Hate > Threatening
1.4083E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.4
Flesch-Kincaid Ease
84.6
Gunning-Fog Score
4.2
Coleman-Liau Index
8.9
SMOG Index
7.3
Automated Readability Index
0.2
Dale-Chall Readability Score
7.6
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

George Gekas

Thank you, Mr. Chairman. As the number of bankruptcies continues to rise, there is little doubt that we need bankruptcy reform. Last year, I was pleased to support the Senate reform bill, which in my view was a balanced measure that eliminated the worst abuses without overburdening honest debtors. As we consider reform this year, we should continue trying to be both balanced and fair.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
-0.05882
Neutral
Harvard-IV (Absolute)
-0.05882
Neutral
Harvard-IV (Logit)
-0.11123
VADER
-0.229
Slightly Negative
Moderation
Harassment
0.0457704911
OpenAI Moderation v1 (007)
Violence
0.0244058698
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0051933144
OpenAI Moderation v1 (007)
Hate
0.0034422235
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007366865
OpenAI Moderation v1 (007)
Sexual
0.0002429198
OpenAI Moderation v1 (007)
Self-Harm
9.70328E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.83619E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.48602E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.6509E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.7508E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
63.5
Gunning-Fog Score
10.1
Coleman-Liau Index
12
SMOG Index
10.5
Automated Readability Index
7.8
Dale-Chall Readability Score
5.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
21

George Gekas

One provision that to my mind is essential to any meaningful bankruptcy reform is a cap on the homestead exemption. Today, Senator Sessions and I are reintroducing our bipartisan measure to cap the homestead exemption at $100,000. Last year, this proposal was strongly supported in our reform bill, although it was defeated by a very, very narrow margin in the House. We intend to offer it as an amendment to the Senate bill either in Committee or on the floor. I know that Senator Grassley is a longtime supporter of this measure.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.37949
VADER
0.572
Very Positive
Moderation
Violence
0.0594981888
OpenAI Moderation v1 (007)
Harassment
0.009448568
OpenAI Moderation v1 (007)
Violence > Graphic
0.0066771703
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0054342509
OpenAI Moderation v1 (007)
Hate
0.0015930011
OpenAI Moderation v1 (007)
Self-Harm
0.0011050362
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000729901
OpenAI Moderation v1 (007)
Sexual
0.0006906389
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001256884
OpenAI Moderation v1 (007)
Sexual > Minors
5.61774E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.70664E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
52.4
Gunning-Fog Score
13.9
Coleman-Liau Index
11
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
27

George Gekas

Our bipartisan measure closes an inexcusable loophole that allows too many debtors to keep their luxury homes, while their legitimate creditors -- like children, ex-spouses owed alimony, state governments, universities, retailers and banks -- get left out in the cold.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.0240513516
OpenAI Moderation v1 (007)
Self-Harm
0.0163589139
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.008721136
OpenAI Moderation v1 (007)
Violence
0.0076701574
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0052104831
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0048858295
OpenAI Moderation v1 (007)
Violence > Graphic
0.0040042185
OpenAI Moderation v1 (007)
Sexual
0.0025167368
OpenAI Moderation v1 (007)
Hate
0.0019811232
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002578219
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002271184
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
8.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
17

George Gekas

Currently, a handful of states allow debtors to protect their homes no matter how high their value. And all too often, millionaire debtors take advantage of this loophole by moving to expensive homes in states with unlimited exemptions like Florida and Texas, and declaring bankruptcy -- yet continuing to live in a style that is no longer appropriate. Let me give you a few examples: LThe owner of failed Ohio S&L, who was convicted of securities fraud, wrote off most of $300 million in bankruptcy claims, but still held on to the multimillion dollar ranch he bought in Florida. LA convicted Wall Street financier filed bankruptcy while owing at least $50 million in debts and fines, but still kept his $5 million Florida mansion with 11 bedrooms and 21 bathrooms. LAnd last year, movie star Burt Reynolds wrote off over $8 million in debt through bankruptcy, but still held onto his $2.5 million Florida estate. Now, don't get me wrong. I loved Burt Reynolds in "Smokey and the Bandit." But while the homestead exemption may not be the most common abuse of the bankruptcy system, it is the most egregious. If we really want to restore the stigma attached to bankruptcy, these high profile abuses are the best place to start.
Sentiment
Loughran McDonald (Relative)
-0.875
Very Negative
Loughran McDonald (Absolute)
-0.875
Very Negative
Loughran McDonald (Logit)
-2.33537
Harvard-IV (Relative)
-0.05263
Neutral
Harvard-IV (Absolute)
-0.05263
Neutral
Harvard-IV (Logit)
-0.10265
VADER
0.439
Positive
Moderation
Violence
0.0236205611
OpenAI Moderation v1 (007)
Violence > Graphic
0.001799345
OpenAI Moderation v1 (007)
Harassment
0.0008255874
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005830563
OpenAI Moderation v1 (007)
Sexual
0.0002564291
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001975558
OpenAI Moderation v1 (007)
Hate
0.0001445268
OpenAI Moderation v1 (007)
Self-Harm
3.0794E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.8308E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.8112E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.604E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.4
Flesch-Kincaid Ease
55
Gunning-Fog Score
15.2
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
62
Sprache Difficult Word Count
62

George Gekas

Chairman Gekas, you should be commended for imposing a two-year residency requirement in your bill, which will prevent people from moving to Florida or Texas solely to take advantage of the exemption. But that only addresses half of the problem: it doesn't stop longtime residents -- like Burt Reynolds -- from using an unlimited exemption to shortchange honest creditors from their home states. That's why I hope this Congress will reconsider including the homestead cap. Because, to my mind, this isn't about states' rights. Anyone who files for bankruptcy is choosing to invoke federal law in a federal court. It's fair to impose federal limits.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
0.877
Very Positive
Moderation
Self-Harm > Intent
0.0601897307
OpenAI Moderation v1 (007)
Self-Harm
0.0579788
OpenAI Moderation v1 (007)
Violence
0.0414890994
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0154794063
OpenAI Moderation v1 (007)
Harassment
0.0063281252
OpenAI Moderation v1 (007)
Violence > Graphic
0.0039890419
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.002646615
OpenAI Moderation v1 (007)
Sexual
0.0008190212
OpenAI Moderation v1 (007)
Hate
0.0003794364
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003139302
OpenAI Moderation v1 (007)
Hate > Threatening
5.47639E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10
Flesch-Kincaid Ease
54.2
Gunning-Fog Score
13.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
42

George Gekas

A cap is not only the best policy, it also sends the best message. It says that bankruptcy is a tool of last resort, not just a tool for financial planning. And it gives credibility to reform by going after the worst abuses, no matter who is involved. So I hope you will give a homestead cap the full consideration it deserves. Thank you.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.63599
VADER
-0.22
Slightly Negative
Moderation
Violence
0.0052504216
OpenAI Moderation v1 (007)
Violence > Graphic
0.002695426
OpenAI Moderation v1 (007)
Sexual
0.0010435474
OpenAI Moderation v1 (007)
Harassment
0.0005168267
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001126653
OpenAI Moderation v1 (007)
Sexual > Minors
6.38569E-5
OpenAI Moderation v1 (007)
Hate
4.48053E-5
OpenAI Moderation v1 (007)
Self-Harm
3.98816E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.1508E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.03E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.511E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.4
Flesch-Kincaid Ease
72.2
Gunning-Fog Score
9.5
Coleman-Liau Index
8.7
SMOG Index
10
Automated Readability Index
4.6
Dale-Chall Readability Score
3.6
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
17

Jerry Nadler

Mr. Chairman?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.0096059171
OpenAI Moderation v1 (007)
Violence
0.007761985
OpenAI Moderation v1 (007)
Hate
0.0023434031
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020949665
OpenAI Moderation v1 (007)
Sexual
0.0014829442
OpenAI Moderation v1 (007)
Sexual > Minors
8.76079E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
7.51861E-5
OpenAI Moderation v1 (007)
Self-Harm
3.6177E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.291E-7
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.704E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.93E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.5
Flesch-Kincaid Ease
78.9
Gunning-Fog Score
0.4
Coleman-Liau Index
12
SMOG Index
3.3
Automated Readability Index
2.6
Dale-Chall Readability Score
10
Sprache Readability Score
0.9
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

George Gekas

Yes.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.402
Positive
Moderation
Violence
0.0082325758
OpenAI Moderation v1 (007)
Violence > Graphic
0.005610786
OpenAI Moderation v1 (007)
Self-Harm
0.0050665392
OpenAI Moderation v1 (007)
Harassment
0.0014476823
OpenAI Moderation v1 (007)
Sexual
0.0007072259
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003505164
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000349537
OpenAI Moderation v1 (007)
Sexual > Minors
8.19364E-5
OpenAI Moderation v1 (007)
Hate
3.02756E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.8577E-6
OpenAI Moderation v1 (007)
Hate > Threatening
9.882E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
0.4
Coleman-Liau Index
1.6
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0
Sprache Readability Score
0.8
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

Jerry Nadler

Before Congressman Sessions, what about opening statements?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Violence
0.0299917272
OpenAI Moderation v1 (007)
Violence > Graphic
0.0116525662
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032254902
OpenAI Moderation v1 (007)
Harassment
0.0032025695
OpenAI Moderation v1 (007)
Self-Harm
0.0023326185
OpenAI Moderation v1 (007)
Sexual
0.0008982013
OpenAI Moderation v1 (007)
Hate
0.0004156366
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003455521
OpenAI Moderation v1 (007)
Hate > Threatening
8.14805E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.43383E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.7343E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
6.4
Gunning-Fog Score
8.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.4
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

George Gekas

I thought that we would accommodate Congressman Sessions.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0
Neutral
Moderation
Violence
0.0311068055
OpenAI Moderation v1 (007)
Violence > Graphic
0.0301723543
OpenAI Moderation v1 (007)
Harassment
0.0127656152
OpenAI Moderation v1 (007)
Self-Harm
0.0058973845
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0040607971
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021808673
OpenAI Moderation v1 (007)
Hate
0.0003738603
OpenAI Moderation v1 (007)
Sexual
0.0002743539
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001114337
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.79054E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.3536E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.7
Flesch-Kincaid Ease
40.1
Gunning-Fog Score
8.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
6.3
Sprache Readability Score
1.9
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3

Jerry Nadler

Do we have the --
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.0757485628
OpenAI Moderation v1 (007)
Violence
0.0572547433
OpenAI Moderation v1 (007)
Self-Harm
0.0220697853
OpenAI Moderation v1 (007)
Violence > Graphic
0.0178841132
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0038886585
OpenAI Moderation v1 (007)
Sexual
0.0011684931
OpenAI Moderation v1 (007)
Hate
0.0009978621
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000657032
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001037509
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.04438E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.00563E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
1.6
Coleman-Liau Index
0.3
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.2
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

George Gekas

And will right afterwards, we will accommodate the opening statements.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0
Neutral
Moderation
Violence
0.090683921
OpenAI Moderation v1 (007)
Harassment
0.0310258329
OpenAI Moderation v1 (007)
Violence > Graphic
0.0219992813
OpenAI Moderation v1 (007)
Self-Harm
0.0170956206
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0070031267
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.001194731
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005408951
OpenAI Moderation v1 (007)
Sexual
0.0005292504
OpenAI Moderation v1 (007)
Hate
0.0004895809
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001695096
OpenAI Moderation v1 (007)
Hate > Threatening
2.8762E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
44.4
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
5.2
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4

Jerry Nadler

Thank you.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Violence
0.0181143259
OpenAI Moderation v1 (007)
Violence > Graphic
0.0063916785
OpenAI Moderation v1 (007)
Harassment
0.0012333175
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012317376
OpenAI Moderation v1 (007)
Sexual
0.000520917
OpenAI Moderation v1 (007)
Hate
0.0002080385
OpenAI Moderation v1 (007)
Self-Harm
9.25023E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.77747E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.45643E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.5242E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.3623E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
0.8
Coleman-Liau Index
7.6
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.1
Sprache Readability Score
0.9
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

George Gekas

We did so for Senator Dodd, and we will do it for Congressman Sessions. You may proceed.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence
0.1609668368
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0405562168
OpenAI Moderation v1 (007)
Harassment
0.0263663067
OpenAI Moderation v1 (007)
Violence > Graphic
0.0183170152
OpenAI Moderation v1 (007)
Self-Harm
0.0060347767
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0040873485
OpenAI Moderation v1 (007)
Hate
0.0008991441
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006537674
OpenAI Moderation v1 (007)
Sexual
0.0001168866
OpenAI Moderation v1 (007)
Hate > Threatening
6.62186E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.5878E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.4
Flesch-Kincaid Ease
78.8
Gunning-Fog Score
3.4
Coleman-Liau Index
8.1
SMOG Index
10.3
Automated Readability Index
1.9
Dale-Chall Readability Score
5.1
Sprache Readability Score
2.1
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
5

Jeff Sessions

Mr. Chairman, thank you. I would ask unanimous consent that my entire write-up here, testimony, be considered for inclusion into the record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.527
Very Positive
Moderation
Violence
0.0273859478
OpenAI Moderation v1 (007)
Violence > Graphic
0.0111517635
OpenAI Moderation v1 (007)
Sexual
0.0051658666
OpenAI Moderation v1 (007)
Harassment
0.0045976409
OpenAI Moderation v1 (007)
Self-Harm
0.0042590775
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0027952585
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018691295
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0018267914
OpenAI Moderation v1 (007)
Sexual > Minors
0.001596869
OpenAI Moderation v1 (007)
Hate
0.0013399743
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001293854
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.9
Flesch-Kincaid Ease
59.3
Gunning-Fog Score
10
Coleman-Liau Index
12
SMOG Index
9.9
Automated Readability Index
5.3
Dale-Chall Readability Score
5.9
Sprache Readability Score
2.4
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10

Jeff Sessions

Mr. Chairman, thank you for allowing me to be here today. I find it very interesting that my officemate, Mr. Delahunt, the gentleman from Massachusetts is here. He has a great expertise in what I am preparing to discuss today.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.861
Very Positive
Moderation
Violence
0.0966123538
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0524004165
OpenAI Moderation v1 (007)
Self-Harm
0.0313609868
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0196013061
OpenAI Moderation v1 (007)
Harassment
0.0105201201
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0081123668
OpenAI Moderation v1 (007)
Violence > Graphic
0.0051634135
OpenAI Moderation v1 (007)
Hate
0.0012511572
OpenAI Moderation v1 (007)
Sexual
0.0010928874
OpenAI Moderation v1 (007)
Sexual > Minors
0.0009083731
OpenAI Moderation v1 (007)
Hate > Threatening
6.62701E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.4
Flesch-Kincaid Ease
63.4
Gunning-Fog Score
10.2
Coleman-Liau Index
10.5
SMOG Index
10.5
Automated Readability Index
3.6
Dale-Chall Readability Score
4.3
Sprache Readability Score
2.5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11

Jeff Sessions

Mr. Chairman, that is that I am aware that there is a bill being considered in the Senate which would place a $100,000 homestead cap on the amount that a family is allowed to exempt from bankruptcy laws.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.103
Leans Positive
Moderation
Violence
0.0147006838
OpenAI Moderation v1 (007)
Violence > Graphic
0.0030478473
OpenAI Moderation v1 (007)
Sexual
0.0029302064
OpenAI Moderation v1 (007)
Harassment
0.0019333811
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008169493
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005622375
OpenAI Moderation v1 (007)
Hate
0.0002136478
OpenAI Moderation v1 (007)
Self-Harm
2.49592E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.16564E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.5669E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9396E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
72.1
Gunning-Fog Score
12.9
Coleman-Liau Index
7.6
SMOG Index
12
Automated Readability Index
7
Dale-Chall Readability Score
4.6
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
13

Jeff Sessions

This is not an inconsequential change. This cap on the homestead exemption was seriously debated last year, when the bill reached the floor of the House of Representatives. A bipartisan majority of members voted for an amendment on the floor last year to replace the cap with a provision to prevent the fraudulent use of the homestead exemption. That amendment effectively targeted homestead exemption abuses without hurting honest debtors and also without overriding State laws by removing the exemption in cases of fraudulent conversion of non-exempt assets into exempt homestead property within 1 year of filing for bankruptcy, with the intent to avoid paying creditors.
Sentiment
Loughran McDonald (Relative)
-0.75
Very Negative
Loughran McDonald (Absolute)
-0.75
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.36364
Somewhat Negative
Harvard-IV (Absolute)
-0.36364
Somewhat Negative
Harvard-IV (Logit)
-0.72594
VADER
-0.821
Very Negative
Moderation
Harassment
0.0920363585
OpenAI Moderation v1 (007)
Sexual
0.0229511497
OpenAI Moderation v1 (007)
Violence
0.0199894886
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0057914327
OpenAI Moderation v1 (007)
Violence > Graphic
0.002125667
OpenAI Moderation v1 (007)
Self-Harm
0.0005181474
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004728765
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002830493
OpenAI Moderation v1 (007)
Hate
0.0001454831
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.90887E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.1108E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
26.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
43
Sprache Difficult Word Count
39

Jeff Sessions

If the goal is to restrict further fraudulent abuse of our bankruptcy laws, this year's bill goes even further toward that goal by having a 2-year residency requirement before a debtor can claim the homestead exemption available in a particular State.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.95551
VADER
-0.875
Very Negative
Moderation
Sexual
0.0770732295
OpenAI Moderation v1 (007)
Violence
0.0729769992
OpenAI Moderation v1 (007)
Harassment
0.0595391146
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0105058454
OpenAI Moderation v1 (007)
Violence > Graphic
0.0098518918
OpenAI Moderation v1 (007)
Sexual > Minors
0.0052654985
OpenAI Moderation v1 (007)
Hate
0.0040992505
OpenAI Moderation v1 (007)
Self-Harm
0.0010212362
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000823813
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001921431
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.7269E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
25.2
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
19

Jeff Sessions

This will strengthen current laws by discouraging debtors from what I call carpetbagging into a State with more generous homestead laws and then pouring their assets into an exempt home.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.62
Very Positive
Moderation
Harassment
0.0090231762
OpenAI Moderation v1 (007)
Violence
0.0023950764
OpenAI Moderation v1 (007)
Sexual
0.0004041888
OpenAI Moderation v1 (007)
Hate
0.0003126932
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000199638
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001315455
OpenAI Moderation v1 (007)
Sexual > Minors
7.76676E-5
OpenAI Moderation v1 (007)
Self-Harm
1.30386E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.6144E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.3646E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.29E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41
Gunning-Fog Score
17.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
12

Jeff Sessions

This, I believe, is an important States' rights issue. Since 1792, Federal bankruptcy laws have deferred to States to decide what property is exempted from bankruptcy. We should not interfere with the decisions that States have made to protect the equity that a person has in their own home. If the proposed homestead cap is put into law, this could force a person who owns a $110,000 home, with no mortgage, and who files for bankruptcy to lose their home. This is because creditors wanting the $10,000 over the $100,000 exemption can force the individual to sell his home.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
0.05263
Neutral
Harvard-IV (Absolute)
0.05263
Neutral
Harvard-IV (Logit)
0.10008
VADER
-0.128
Leans Negative
Moderation
Sexual
0.0069145834
OpenAI Moderation v1 (007)
Violence
0.0052854004
OpenAI Moderation v1 (007)
Harassment
0.0040280214
OpenAI Moderation v1 (007)
Violence > Graphic
0.0029302457
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018018383
OpenAI Moderation v1 (007)
Sexual > Minors
0.0013873339
OpenAI Moderation v1 (007)
Hate
0.0008291229
OpenAI Moderation v1 (007)
Hate > Threatening
7.64659E-5
OpenAI Moderation v1 (007)
Self-Harm
2.88618E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.9394E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.61E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
70
Gunning-Fog Score
13.7
Coleman-Liau Index
9.4
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
4.3
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
22

Jeff Sessions

Senior citizens frequently have most of their net worth in their homes, not in liquid assets. They could be forced to sell their homes, even if a creditor is seeking just a small amount over the homestead exemption.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.341
Somewhat Negative
Moderation
Sexual
0.1914484543
OpenAI Moderation v1 (007)
Violence
0.0315688987
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0084000043
OpenAI Moderation v1 (007)
Harassment
0.0066634122
OpenAI Moderation v1 (007)
Sexual > Minors
0.0057119523
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008100524
OpenAI Moderation v1 (007)
Hate
0.0003632988
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002166227
OpenAI Moderation v1 (007)
Hate > Threatening
8.56204E-5
OpenAI Moderation v1 (007)
Self-Harm
5.378E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.708E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
60.7
Gunning-Fog Score
12.9
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
9.6
Dale-Chall Readability Score
4.7
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
12

Jeff Sessions

As legislators, I believe we should not only seek to write laws that provide needed solutions to a problem, but we should also ensure that these laws do not have unintended consequences.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.44
Positive
Moderation
Violence
0.0221598428
OpenAI Moderation v1 (007)
Violence > Graphic
0.010668797
OpenAI Moderation v1 (007)
Sexual
0.0094848758
OpenAI Moderation v1 (007)
Harassment
0.0039684353
OpenAI Moderation v1 (007)
Harassment > Threatening
0.002655613
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006997288
OpenAI Moderation v1 (007)
Hate
0.0001125804
OpenAI Moderation v1 (007)
Hate > Threatening
4.33128E-5
OpenAI Moderation v1 (007)
Self-Harm
1.77734E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.438E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.608E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.5
Gunning-Fog Score
17.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10

Jeff Sessions

I am for having people pay all the debts that they owe. As you have alluded, I am a very strong supporter of bankruptcy reform, and that is why I have co-sponsored this bill. However, a homestead cap would do nothing toward providing the fresh start we all in believe in, but rather would force honest debtors into selling their homes.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.835
Very Positive
Moderation
Violence
0.0019301719
OpenAI Moderation v1 (007)
Sexual
0.0003947253
OpenAI Moderation v1 (007)
Harassment
0.0002965462
OpenAI Moderation v1 (007)
Violence > Graphic
6.89111E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.08554E-5
OpenAI Moderation v1 (007)
Hate
1.27092E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
9.2263E-6
OpenAI Moderation v1 (007)
Self-Harm
3.4128E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.826E-7
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.95E-8
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.7E-9
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
65.8
Gunning-Fog Score
12.1
Coleman-Liau Index
9.6
SMOG Index
11.3
Automated Readability Index
9.2
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
18

Jeff Sessions

I am confident that the anti-fraud provisions contained in the House bill will provide the perfection we need without being punitive or infringing on States' rights, such as those we enjoy in Texas and in other States. Thank you, Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.923
Very Positive
Moderation
Harassment
0.0575252867
OpenAI Moderation v1 (007)
Sexual
0.0394753035
OpenAI Moderation v1 (007)
Violence > Graphic
0.0132584872
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0123472375
OpenAI Moderation v1 (007)
Violence
0.0105731699
OpenAI Moderation v1 (007)
Hate
0.0036923411
OpenAI Moderation v1 (007)
Sexual > Minors
0.0020781008
OpenAI Moderation v1 (007)
Self-Harm
0.0012666164
OpenAI Moderation v1 (007)
Hate > Threatening
0.0005779323
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002894081
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.98914E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.7
Flesch-Kincaid Ease
62.2
Gunning-Fog Score
13.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.1
Dale-Chall Readability Score
5.6
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
16

Note

[The prepared statement of Mr. Sessions follows:] Prepared Statement of Hon. Pete Sessions, a Representative in Congress from the State of Texas
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Harassment > Threatening
0.0045947178
OpenAI Moderation v1 (007)
Sexual
0.0040597519
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031614167
OpenAI Moderation v1 (007)
Violence
0.0030333345
OpenAI Moderation v1 (007)
Harassment
0.0023898288
OpenAI Moderation v1 (007)
Hate
0.0009122911
OpenAI Moderation v1 (007)
Self-Harm
0.0004374962
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003776693
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.37421E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.37562E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.5049E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
58.2
Gunning-Fog Score
3
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
6.8
Dale-Chall Readability Score
8.8
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9

Jeff Sessions

Mr. Chairman, thank you for your leadership on the issue of bankruptcy reform. I appreciate the opportunity to testify about how changes to the homestead exemption provision of this bill will greatly affect citizens in my home state of Texas as well as several other states.
Sentiment
Loughran McDonald (Relative)
0.2
Leans Positive
Loughran McDonald (Absolute)
0.2
Leans Positive
Loughran McDonald (Logit)
0.33647
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.78846
VADER
0.844
Very Positive
Moderation
Harassment
0.6862013135
OpenAI Moderation v1 (007)
Violence
0.0114845068
OpenAI Moderation v1 (007)
Hate
0.0098994205
OpenAI Moderation v1 (007)
Violence > Graphic
0.0032677483
OpenAI Moderation v1 (007)
Sexual
0.0021446585
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012767819
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006743458
OpenAI Moderation v1 (007)
Self-Harm
2.20649E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.34296E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.8799E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.408E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.4
Flesch-Kincaid Ease
47.8
Gunning-Fog Score
14.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
5.9
Sprache Readability Score
4
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
18

Jeff Sessions

I am a cosponsor of this bill and fully support the House version that you, Mr. Chairman, have introduced. This legislation received the bipartisan support of 300 Members last year, and I believe that this compromise reform of the bankruptcy system will require high-income debtors to pay their debts if they have the ability to do so, while protecting those with low incomes and those who truly need the protection that our bankruptcy system has to offer.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.63599
VADER
0.811
Very Positive
Moderation
Sexual
0.0472229469
OpenAI Moderation v1 (007)
Violence
0.0370222057
OpenAI Moderation v1 (007)
Hate
0.0090158479
OpenAI Moderation v1 (007)
Harassment
0.0084003965
OpenAI Moderation v1 (007)
Harassment > Threatening
0.007474552
OpenAI Moderation v1 (007)
Violence > Graphic
0.0043174405
OpenAI Moderation v1 (007)
Hate > Threatening
0.0012936135
OpenAI Moderation v1 (007)
Sexual > Minors
0.0012625873
OpenAI Moderation v1 (007)
Self-Harm
0.0003621365
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001719652
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.99791E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.5
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
24

Jeff Sessions

However I am concerned about a proposal that is reportedly being considered by the Senate which would place a $100,000 homestead cap on the amount that a family is allowed to exempt from the bankruptcy laws.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
0.103
Leans Positive
Moderation
Harassment
0.8458742872
OpenAI Moderation v1 (007)
Hate
0.0275748782
OpenAI Moderation v1 (007)
Violence
0.0051673196
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020120673
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016727452
OpenAI Moderation v1 (007)
Sexual
0.0008087286
OpenAI Moderation v1 (007)
Sexual > Minors
8.13987E-5
OpenAI Moderation v1 (007)
Self-Harm
4.03826E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.90849E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.23156E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.8243E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39
Gunning-Fog Score
19
Coleman-Liau Index
10.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
13

Jeff Sessions

This is not an inconsequential change -- this cap on the homestead exemption was seriously debated last year when this bill reached the floor of the House. A bipartisan majority of members voted for an amendment on the floor last year to replace the cap with a provision to prevent the fraudulent use of the homestead exemption. That amendment effectively targeted homestead exemption abuses without hurting honest debtors and without overriding state laws by removing the exemption in cases of fraudulent conversion of non-exempt assets into exempt homesteads property within 1 year of filing for bankruptcy with the intent to avoid paying creditors.
Sentiment
Loughran McDonald (Relative)
-0.75
Very Negative
Loughran McDonald (Absolute)
-0.75
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.36364
Somewhat Negative
Harvard-IV (Absolute)
-0.36364
Somewhat Negative
Harvard-IV (Logit)
-0.72594
VADER
-0.839
Very Negative
Moderation
Harassment
0.1639657654
OpenAI Moderation v1 (007)
Violence
0.0275856321
OpenAI Moderation v1 (007)
Hate
0.0084996442
OpenAI Moderation v1 (007)
Sexual
0.0031843825
OpenAI Moderation v1 (007)
Violence > Graphic
0.0027156331
OpenAI Moderation v1 (007)
Self-Harm
0.0020728794
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010871037
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003385265
OpenAI Moderation v1 (007)
Sexual > Minors
1.78367E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.785E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.1262E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
38

Jeff Sessions

If the goal is to restrict fraudulent abuse of our bankruptcy laws, this year's bill goes even further toward that goal by having a two- year residency requirement before a debtor can claim the homestead exemption available in a particular state. This will strengthen current law by discouraging debtors from "carpetbagging" into a state with more generous state homestead laws and pouring their assets into an exempt home.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
-0.28571
Slightly Negative
Harvard-IV (Absolute)
-0.28571
Slightly Negative
Harvard-IV (Logit)
-0.54654
VADER
-0.713
Very Negative
Moderation
Harassment
0.0468139478
OpenAI Moderation v1 (007)
Violence
0.027101452
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0045306133
OpenAI Moderation v1 (007)
Violence > Graphic
0.0010433025
OpenAI Moderation v1 (007)
Hate
0.0008057464
OpenAI Moderation v1 (007)
Self-Harm
0.0003956177
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003532042
OpenAI Moderation v1 (007)
Sexual
0.0003072523
OpenAI Moderation v1 (007)
Sexual > Minors
6.80059E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.44672E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.6045E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
31.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
27

Jeff Sessions

This is an important states-rights issue. Since 1792, federal bankruptcy laws have deferred to the states to decide what property is exempted from bankruptcy. We should not interfere with the decisions that states have made to protect the equity a person has in their home.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.36772
VADER
0.527
Very Positive
Moderation
Harassment > Threatening
0.0120300414
OpenAI Moderation v1 (007)
Harassment
0.0067191038
OpenAI Moderation v1 (007)
Sexual
0.0049365557
OpenAI Moderation v1 (007)
Violence
0.0040123567
OpenAI Moderation v1 (007)
Hate
0.0009358306
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007295537
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002639025
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002261144
OpenAI Moderation v1 (007)
Self-Harm
9.79649E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.9141E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.6013E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
64.4
Gunning-Fog Score
14
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.8
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11

Jeff Sessions

If the proposed homestead cap is put into place, the law could force a person who owns a $110,000 home with no mortgage and who files for bankruptcy, to lose his home. This is because creditors wanting the $10,000 over the $100,000 exemption, can force the individual to sell his home.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.599
Very Negative
Moderation
Violence
0.0296028244
OpenAI Moderation v1 (007)
Violence > Graphic
0.0097861994
OpenAI Moderation v1 (007)
Sexual
0.0032124772
OpenAI Moderation v1 (007)
Harassment
0.0029288933
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024974614
OpenAI Moderation v1 (007)
Hate
0.0009377566
OpenAI Moderation v1 (007)
Sexual > Minors
0.000457693
OpenAI Moderation v1 (007)
Self-Harm
0.0001871104
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.27885E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.4661E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.4223E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.8
Flesch-Kincaid Ease
72.9
Gunning-Fog Score
15.2
Coleman-Liau Index
6.8
SMOG Index
12
Automated Readability Index
10.1
Dale-Chall Readability Score
4.3
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
12

Jeff Sessions

Senior citizens frequently have most of their net worth in their homes, not in liquid assets. They could be forced to sell their homes even if a creditor is seeking just a small amount over the homestead exemption. As legislators, we should seek not only to write laws that provide a needed solution to a problem, but we also must ensure that these laws do not have unintended consequences.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.09091
Neutral
Harvard-IV (Absolute)
0.09091
Neutral
Harvard-IV (Logit)
0.16705
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.035174028
OpenAI Moderation v1 (007)
Violence
0.0036577956
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015960986
OpenAI Moderation v1 (007)
Hate
0.0006022136
OpenAI Moderation v1 (007)
Violence > Graphic
0.000380875
OpenAI Moderation v1 (007)
Sexual
0.0003755059
OpenAI Moderation v1 (007)
Sexual > Minors
3.48654E-5
OpenAI Moderation v1 (007)
Self-Harm
1.19054E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.5938E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.5251E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.285E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
53.5
Gunning-Fog Score
14.4
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
11.6
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
22

Jeff Sessions

I'm all for having people pay the debts they owe. That is why I cosponsored this bill because I believe it targets debt relief only at those who need the help and works with others to pay a portion to their creditors. However, a homestead cap would do nothing toward providing the "fresh start" we all believe in, but rather would force honest debtors into selling their homes.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.45455
Positive
Harvard-IV (Absolute)
0.45455
Positive
Harvard-IV (Logit)
0.8873
VADER
0.781
Very Positive
Moderation
Violence
0.0220858055
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0146260063
OpenAI Moderation v1 (007)
Harassment
0.0096085183
OpenAI Moderation v1 (007)
Violence > Graphic
0.0084094376
OpenAI Moderation v1 (007)
Sexual
0.0013303915
OpenAI Moderation v1 (007)
Hate
0.0004252517
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001392151
OpenAI Moderation v1 (007)
Self-Harm
9.97725E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.61279E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.613E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.1817E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
64.4
Gunning-Fog Score
12
Coleman-Liau Index
10.3
SMOG Index
10.6
Automated Readability Index
10.8
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
18

Jeff Sessions

I'm confident that the anti-fraud provisions contained in the House bill will provide the protection we need without being punitive or infringing on states rights.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.596
Very Positive
Moderation
Sexual
0.055291201
OpenAI Moderation v1 (007)
Violence
0.0069015266
OpenAI Moderation v1 (007)
Harassment
0.0063150983
OpenAI Moderation v1 (007)
Sexual > Minors
0.0032278163
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031690623
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016112623
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003843974
OpenAI Moderation v1 (007)
Self-Harm
0.0001875722
OpenAI Moderation v1 (007)
Hate
0.000126874
OpenAI Moderation v1 (007)
Hate > Threatening
1.30383E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.5352E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47
Gunning-Fog Score
18.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.4
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
13

George Gekas

We thank you very much, and we excuse you with our gratitude.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.727
Very Positive
Moderation
Sexual
0.0281283254
OpenAI Moderation v1 (007)
Violence
0.0063694337
OpenAI Moderation v1 (007)
Harassment
0.0032870448
OpenAI Moderation v1 (007)
Self-Harm
0.0024087009
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013049323
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010303879
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006700105
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006079773
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003516692
OpenAI Moderation v1 (007)
Hate
0.000169262
OpenAI Moderation v1 (007)
Hate > Threatening
5.0383E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.8
Flesch-Kincaid Ease
81.9
Gunning-Fog Score
8.1
Coleman-Liau Index
7.7
SMOG Index
9
Automated Readability Index
3.4
Dale-Chall Readability Score
1.9
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
2

William Delahunt

Mr. Chairman? Before my friend departs, may I just have a --
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.494
Positive
Moderation
Harassment
0.0122250916
OpenAI Moderation v1 (007)
Violence
0.0083303341
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0069969181
OpenAI Moderation v1 (007)
Sexual
0.000870552
OpenAI Moderation v1 (007)
Hate
0.0006867213
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005409601
OpenAI Moderation v1 (007)
Sexual > Minors
9.36765E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.69432E-5
OpenAI Moderation v1 (007)
Self-Harm
2.36027E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.01722E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.6472E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.9
Flesch-Kincaid Ease
95.4
Gunning-Fog Score
1.5
Coleman-Liau Index
7.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.5
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3

George Gekas

I didn't hear the gentleman from Massachusetts as he rose -- to be recognized for what?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.1292887027
OpenAI Moderation v1 (007)
Violence
0.0144172256
OpenAI Moderation v1 (007)
Harassment > Threatening
0.012292563
OpenAI Moderation v1 (007)
Hate
0.0096659271
OpenAI Moderation v1 (007)
Sexual
0.0058120138
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014842557
OpenAI Moderation v1 (007)
Sexual > Minors
0.000803308
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006226437
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001444819
OpenAI Moderation v1 (007)
Self-Harm
0.0001420924
OpenAI Moderation v1 (007)
Hate > Threatening
7.20989E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
61.9
Gunning-Fog Score
11.3
Coleman-Liau Index
10.9
SMOG Index
12
Automated Readability Index
7.4
Dale-Chall Readability Score
2.8
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
4

William Delahunt

I would just like to inquire of my dear friend and my corridor mate, Mr. Sessions, as to the issue that he addressed.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.807
Very Positive
Moderation
Harassment
0.0188827515
OpenAI Moderation v1 (007)
Violence
0.0155647329
OpenAI Moderation v1 (007)
Self-Harm
0.0021188262
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.002031791
OpenAI Moderation v1 (007)
Sexual
0.0014076765
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009824415
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006158688
OpenAI Moderation v1 (007)
Hate
0.0002465391
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.64511E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.63113E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.2513E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.8
Flesch-Kincaid Ease
88.5
Gunning-Fog Score
8.1
Coleman-Liau Index
7.5
SMOG Index
9
Automated Readability Index
3
Dale-Chall Readability Score
5.4
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
7

George Gekas

If the gentleman wishes to respond to questions, I am willing to --
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
0.153
Leans Positive
Moderation
Sexual
0.148370408
OpenAI Moderation v1 (007)
Violence
0.0138798161
OpenAI Moderation v1 (007)
Harassment
0.006103958
OpenAI Moderation v1 (007)
Sexual > Minors
0.0046745623
OpenAI Moderation v1 (007)
Self-Harm
0.0032196389
OpenAI Moderation v1 (007)
Violence > Graphic
0.0030499814
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0019390607
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0013583654
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003216505
OpenAI Moderation v1 (007)
Hate
5.52311E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.97823E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
53.7
Gunning-Fog Score
14.8
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
5
Dale-Chall Readability Score
1.9
Sprache Readability Score
2.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
4

Jeff Sessions

Mr. Chairman, I would be pleased to respond to the gentleman.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.44
Positive
Moderation
Sexual
0.0191186147
OpenAI Moderation v1 (007)
Violence
0.0126698971
OpenAI Moderation v1 (007)
Violence > Graphic
0.0038333921
OpenAI Moderation v1 (007)
Harassment
0.0027930093
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006256228
OpenAI Moderation v1 (007)
Self-Harm
0.0003989826
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002612855
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.08052E-5
OpenAI Moderation v1 (007)
Hate
5.03862E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.90052E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9968E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.7
Flesch-Kincaid Ease
78.2
Gunning-Fog Score
5.8
Coleman-Liau Index
9.8
SMOG Index
7.3
Automated Readability Index
1.9
Dale-Chall Readability Score
6
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5

George Gekas

The gentleman from Massachusetts is recognized.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.1128699165
OpenAI Moderation v1 (007)
Sexual
0.0762239448
OpenAI Moderation v1 (007)
Violence
0.0388228713
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0200151597
OpenAI Moderation v1 (007)
Sexual > Minors
0.0095481351
OpenAI Moderation v1 (007)
Violence > Graphic
0.001305262
OpenAI Moderation v1 (007)
Hate
0.0008303518
OpenAI Moderation v1 (007)
Hate > Threatening
9.45147E-5
OpenAI Moderation v1 (007)
Self-Harm
5.47611E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.24332E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.3247E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
17.4
Gunning-Fog Score
15.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.6
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3

William Delahunt

Yes, thank you, Mr. Chairman. Is it my understanding, then, that you would object to any caps whatsoever?
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.637
Very Positive
Moderation
Violence
0.0643048843
OpenAI Moderation v1 (007)
Sexual
0.0230430902
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0200111142
OpenAI Moderation v1 (007)
Harassment
0.0117462107
OpenAI Moderation v1 (007)
Violence > Graphic
0.0077895027
OpenAI Moderation v1 (007)
Hate
0.001210854
OpenAI Moderation v1 (007)
Self-Harm
0.0008590962
OpenAI Moderation v1 (007)
Sexual > Minors
0.000542224
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001618057
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001337282
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.6568E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.8
Flesch-Kincaid Ease
78.5
Gunning-Fog Score
6.8
Coleman-Liau Index
10.7
SMOG Index
7.9
Automated Readability Index
2.8
Dale-Chall Readability Score
4.7
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
5

Jeff Sessions

That would be what I -- support the testimony that I have given. I believe that States have addressed these issues and decided by themselves, on a State by State basis, what is necessary. And I would ask that the Federal Government not do anything in this bankruptcy protection other than those that we have advanced here. And that would be correct.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.572
Very Positive
Moderation
Harassment
0.1474647084
OpenAI Moderation v1 (007)
Violence > Graphic
0.0354031596
OpenAI Moderation v1 (007)
Self-Harm
0.0148682724
OpenAI Moderation v1 (007)
Hate
0.010252231
OpenAI Moderation v1 (007)
Violence
0.0076440905
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0046315432
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011277124
OpenAI Moderation v1 (007)
Sexual
0.0006468118
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.71173E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.11876E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.965E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
69.3
Gunning-Fog Score
10
Coleman-Liau Index
11.2
SMOG Index
11.3
Automated Readability Index
7.8
Dale-Chall Readability Score
3.9
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
17

William Delahunt

Right. But, Pete, you are aware of the fact that States like Texas and Florida have no caps whatsoever?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.077
Neutral
Moderation
Harassment
0.3879606724
OpenAI Moderation v1 (007)
Violence
0.0303156005
OpenAI Moderation v1 (007)
Hate
0.0145368002
OpenAI Moderation v1 (007)
Violence > Graphic
0.0057968802
OpenAI Moderation v1 (007)
Self-Harm
0.0027368562
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026697744
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012009443
OpenAI Moderation v1 (007)
Sexual
0.0001968073
OpenAI Moderation v1 (007)
Sexual > Minors
4.28591E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.50674E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.7377E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.6
Flesch-Kincaid Ease
85.9
Gunning-Fog Score
5.9
Coleman-Liau Index
9.3
SMOG Index
9
Automated Readability Index
3.4
Dale-Chall Readability Score
4.6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
6

Jeff Sessions

That would be correct.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Harassment
0.0821876689
OpenAI Moderation v1 (007)
Violence
0.0511435035
OpenAI Moderation v1 (007)
Violence > Graphic
0.0212261657
OpenAI Moderation v1 (007)
Hate
0.0100474477
OpenAI Moderation v1 (007)
Self-Harm
0.0058841277
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0044543365
OpenAI Moderation v1 (007)
Sexual
0.0019809115
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005304242
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.49599E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.30704E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.7655E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.7
Flesch-Kincaid Ease
97
Gunning-Fog Score
1.6
Coleman-Liau Index
10.6
SMOG Index
3.3
Automated Readability Index
1.8
Dale-Chall Readability Score
0.2
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
1

William Delahunt

And that there have been a number of instances where individuals, and let us not call them carpetbaggers, but under your proposed 2-year residency requirement, there have been instances in which individuals have had a primary residence worth millions of dollars -- millions of dollars. You are aware of that?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.1623759861
OpenAI Moderation v1 (007)
Violence
0.1456310507
OpenAI Moderation v1 (007)
Violence > Graphic
0.0785422686
OpenAI Moderation v1 (007)
Hate
0.0254760729
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0152913344
OpenAI Moderation v1 (007)
Self-Harm
0.0043685479
OpenAI Moderation v1 (007)
Sexual
0.001273467
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004490588
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001379569
OpenAI Moderation v1 (007)
Hate > Threatening
7.5431E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.84432E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
10

Jeff Sessions

I am aware of that, and, in addressing that issue, I would like to say that so are the people who have extended credit to these people; and they are aware of the laws of the State of Texas. And we will always be able to find people that do try and hide their assets in their homes like this. The fact of the --
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.765
Very Positive
Moderation
Violence > Graphic
0.0080291567
OpenAI Moderation v1 (007)
Violence
0.0073203868
OpenAI Moderation v1 (007)
Harassment
0.004172443
OpenAI Moderation v1 (007)
Sexual
0.0036972986
OpenAI Moderation v1 (007)
Hate
0.0006350447
OpenAI Moderation v1 (007)
Self-Harm
0.0005047423
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002576887
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001343171
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001061515
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.717E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.4161E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.3
Flesch-Kincaid Ease
80.8
Gunning-Fog Score
9.8
Coleman-Liau Index
6.1
SMOG Index
7.9
Automated Readability Index
6.8
Dale-Chall Readability Score
3
Sprache Readability Score
4
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9

William Delahunt

But I am not even suggesting that anyone, you know, intended to defraud here. I am not even suggesting that particular scenario. But you know there are people who hit hard times that who, if this legislation should pass, will be contrasted in the public's mind with some of those individuals.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
-0.103
Leans Negative
Moderation
Sexual
0.142612413
OpenAI Moderation v1 (007)
Violence
0.044587822
OpenAI Moderation v1 (007)
Harassment
0.0144764897
OpenAI Moderation v1 (007)
Violence > Graphic
0.0027636212
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015025208
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010935527
OpenAI Moderation v1 (007)
Hate
0.0007142527
OpenAI Moderation v1 (007)
Self-Harm
0.0001395011
OpenAI Moderation v1 (007)
Hate > Threatening
6.31773E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.76304E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.18918E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
60.2
Gunning-Fog Score
13.1
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
8.7
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
10

Jeff Sessions

My observation in response would be then since we are talking about millions rather than thousands that if you put a cap at millions of dollars, then that would be the appropriate level. I am not advocating that. I am advocating that we defer to States. I simply believe that --
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
-0.296
Slightly Negative
Moderation
Sexual
0.0259083143
OpenAI Moderation v1 (007)
Violence
0.0035427805
OpenAI Moderation v1 (007)
Harassment
0.0027012982
OpenAI Moderation v1 (007)
Violence > Graphic
0.001906483
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010625939
OpenAI Moderation v1 (007)
Sexual > Minors
0.000442357
OpenAI Moderation v1 (007)
Self-Harm
0.0003311459
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001243042
OpenAI Moderation v1 (007)
Hate
9.11477E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.88279E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.80561E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.5
Flesch-Kincaid Ease
63.9
Gunning-Fog Score
10.6
Coleman-Liau Index
10.3
SMOG Index
10.8
Automated Readability Index
5.7
Dale-Chall Readability Score
3.1
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
12

William Delahunt

And I understand your concern about States' rights and --
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0
Neutral
Moderation
Harassment
0.0834622886
OpenAI Moderation v1 (007)
Violence
0.0333275879
OpenAI Moderation v1 (007)
Violence > Graphic
0.0180140982
OpenAI Moderation v1 (007)
Sexual
0.017158578
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0065270957
OpenAI Moderation v1 (007)
Hate
0.0011057076
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001729429
OpenAI Moderation v1 (007)
Self-Harm
0.0001686573
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001622331
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.15083E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.3554E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5
Flesch-Kincaid Ease
75.5
Gunning-Fog Score
8
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
6.6
Dale-Chall Readability Score
4
Sprache Readability Score
2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3

Jeff Sessions

Well, sir, but what I am suggesting to you is if you are talking about millions of dollars, then put the cap at millions of dollars, not $100,000. That is very punitive for people who live all across this country, who are middle-class people, who are many times people who retired, as my grandfather did in 1971. And I don' think it is fair that we place these types of very onerous dollar amounts on people. So if you want to talk about millions of dollars, then address it as millions of dollars. But please do not address it as a million dollar problem and put it as a $100,000 answer.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.51083
VADER
-0.263
Slightly Negative
Moderation
Sexual
0.0255953957
OpenAI Moderation v1 (007)
Violence
0.003507466
OpenAI Moderation v1 (007)
Harassment
0.0026826961
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018931501
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010559791
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004338408
OpenAI Moderation v1 (007)
Self-Harm
0.0003289317
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000123522
OpenAI Moderation v1 (007)
Hate
8.99037E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.89435E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.75562E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9
Flesch-Kincaid Ease
70.9
Gunning-Fog Score
12.3
Coleman-Liau Index
7.1
SMOG Index
10.9
Automated Readability Index
8.3
Dale-Chall Readability Score
2.8
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13

William Delahunt

So then you see some flexibility there in terms of what I think most Americans would consider fair and equitable to everyone involved so that you would not rule out entirely any kind of cap whatsoever, since this is a Federal statute.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.572
Very Positive
Moderation
Violence > Graphic
0.0393588532
OpenAI Moderation v1 (007)
Violence
0.0110434958
OpenAI Moderation v1 (007)
Sexual
0.0095029645
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026847461
OpenAI Moderation v1 (007)
Harassment
0.0010029281
OpenAI Moderation v1 (007)
Self-Harm
0.0004023321
OpenAI Moderation v1 (007)
Sexual > Minors
0.000207936
OpenAI Moderation v1 (007)
Hate
0.0001471615
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.87635E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.1084E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.9011E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.3
Gunning-Fog Score
19
Coleman-Liau Index
11
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11

Jeff Sessions

Congressman, what I have suggested to you is that I wanted to respond to you very openly, and that is --
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence > Graphic
0.0195809072
OpenAI Moderation v1 (007)
Sexual
0.0122567129
OpenAI Moderation v1 (007)
Sexual > Minors
0.0068730878
OpenAI Moderation v1 (007)
Violence
0.0047178055
OpenAI Moderation v1 (007)
Harassment
0.0016515964
OpenAI Moderation v1 (007)
Hate
0.0008981629
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000419713
OpenAI Moderation v1 (007)
Self-Harm
0.0002471057
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001118719
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.22895E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.86288E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
63.9
Gunning-Fog Score
12
Coleman-Liau Index
7.7
SMOG Index
12
Automated Readability Index
7.4
Dale-Chall Readability Score
4.9
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
5

William Delahunt

And you have, and I appreciate it.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.402
Positive
Moderation
Violence > Graphic
0.0168718703
OpenAI Moderation v1 (007)
Violence
0.0043134281
OpenAI Moderation v1 (007)
Sexual
0.001588512
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009139309
OpenAI Moderation v1 (007)
Harassment
0.0004619959
OpenAI Moderation v1 (007)
Hate
0.0002253854
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001168659
OpenAI Moderation v1 (007)
Self-Harm
5.60477E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.17854E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.03083E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.075E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4
Flesch-Kincaid Ease
78.9
Gunning-Fog Score
8.5
Coleman-Liau Index
6
SMOG Index
9
Automated Readability Index
0
Dale-Chall Readability Score
2.6
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

Jeff Sessions

That is that I believe there should not be a cap at all and that we should defer to States' rights. My point is to say if you are talking about millions of dollars, then it would seem that that would be the way the law was written and then I would take a look at that. I think that millions of dollars are more reasonable than $100,000.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
-0.296
Slightly Negative
Moderation
Violence
0.0657761761
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0493774656
OpenAI Moderation v1 (007)
Harassment
0.0205503413
OpenAI Moderation v1 (007)
Violence > Graphic
0.0069956033
OpenAI Moderation v1 (007)
Self-Harm
0.0068772315
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0056645968
OpenAI Moderation v1 (007)
Hate
0.0012442463
OpenAI Moderation v1 (007)
Sexual
0.0002441011
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001899375
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001246072
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.57017E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.2
Flesch-Kincaid Ease
84.2
Gunning-Fog Score
10.9
Coleman-Liau Index
6
SMOG Index
9
Automated Readability Index
7.5
Dale-Chall Readability Score
2.1
Sprache Readability Score
4
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
7

William Delahunt

Like maybe $1 million as opposed to --
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.361
Somewhat Positive
Moderation
Violence
0.073719176
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0375696924
OpenAI Moderation v1 (007)
Harassment
0.0169958104
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0067451751
OpenAI Moderation v1 (007)
Violence > Graphic
0.0063655716
OpenAI Moderation v1 (007)
Self-Harm
0.0043475266
OpenAI Moderation v1 (007)
Hate
0.0006918446
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002459849
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001868768
OpenAI Moderation v1 (007)
Sexual
7.33589E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.68096E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.7
Flesch-Kincaid Ease
66.8
Gunning-Fog Score
14.2
Coleman-Liau Index
6.9
SMOG Index
11.3
Automated Readability Index
0.2
Dale-Chall Readability Score
2.6
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
2

Jeff Sessions

Perhaps that could be closer, but a hundred thousand dollars simply is an unfair and unreasonable assumption on my part.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
-0.631
Very Negative
Moderation
Violence
0.008292876
OpenAI Moderation v1 (007)
Harassment
0.0067402427
OpenAI Moderation v1 (007)
Sexual
0.0027629043
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018423027
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014370083
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002294162
OpenAI Moderation v1 (007)
Hate
0.0001885029
OpenAI Moderation v1 (007)
Hate > Threatening
1.06306E-5
OpenAI Moderation v1 (007)
Self-Harm
1.05085E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.6629E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.66E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.7
Flesch-Kincaid Ease
46.9
Gunning-Fog Score
12
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
11.9
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6

William Delahunt

Well, thank you, and I appreciate your thoughtful testimony.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.836
Very Positive
Moderation
Violence > Graphic
0.0076448196
OpenAI Moderation v1 (007)
Sexual
0.0043424181
OpenAI Moderation v1 (007)
Violence
0.0019043713
OpenAI Moderation v1 (007)
Harassment
9.79234E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
9.48852E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.44434E-5
OpenAI Moderation v1 (007)
Self-Harm
4.99972E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.10461E-5
OpenAI Moderation v1 (007)
Hate
1.79703E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.29E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.032E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
47.3
Gunning-Fog Score
12.5
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
8.7
Dale-Chall Readability Score
5.7
Sprache Readability Score
2
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3

Jeff Sessions

I thank the gentleman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Violence
0.0066006687
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035805908
OpenAI Moderation v1 (007)
Sexual
0.0030025058
OpenAI Moderation v1 (007)
Harassment
0.0006265142
OpenAI Moderation v1 (007)
Hate
0.0001857179
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001783434
OpenAI Moderation v1 (007)
Self-Harm
0.0001546243
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001291738
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001185158
OpenAI Moderation v1 (007)
Hate > Threatening
1.57406E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.6129E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.7
Flesch-Kincaid Ease
75.9
Gunning-Fog Score
11.6
Coleman-Liau Index
10.6
SMOG Index
9
Automated Readability Index
1.8
Dale-Chall Readability Score
0.2
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
1

George Gekas

The gentleman from New York indicates that he has a question for you. Do you wish to respond?
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.402
Positive
Moderation
Harassment
0.0066228939
OpenAI Moderation v1 (007)
Violence
0.0050009774
OpenAI Moderation v1 (007)
Sexual
0.0047427598
OpenAI Moderation v1 (007)
Violence > Graphic
0.0044049848
OpenAI Moderation v1 (007)
Sexual > Minors
0.000503092
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004929518
OpenAI Moderation v1 (007)
Hate
0.0003835069
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.50136E-5
OpenAI Moderation v1 (007)
Self-Harm
3.38722E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.7946E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.651E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.7
Flesch-Kincaid Ease
84.9
Gunning-Fog Score
8
Coleman-Liau Index
8.4
SMOG Index
9
Automated Readability Index
2.4
Dale-Chall Readability Score
3.1
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
5

Jeff Sessions

Mr. Chairman, I will stick around for this.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
0
Neutral
Moderation
Violence
0.0078555859
OpenAI Moderation v1 (007)
Violence > Graphic
0.0056944777
OpenAI Moderation v1 (007)
Sexual
0.0021547488
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008771898
OpenAI Moderation v1 (007)
Harassment
0.0006123666
OpenAI Moderation v1 (007)
Hate
0.0001809506
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001514333
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000127003
OpenAI Moderation v1 (007)
Self-Harm
4.90615E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.46743E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.8138E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.7
Flesch-Kincaid Ease
97
Gunning-Fog Score
1.6
Coleman-Liau Index
8.4
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.1
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

Jerry Nadler

Thank you. I just want to follow up on what Mr. Delahunt was asking. It seems to me one of the things that people are always puzzled by, and I am puzzled by, is the fairness of a bankruptcy system. I remember when Donald Trump went bankrupt, the court said he could live on an expense account of $400,000 a month, I think it was. So he could maintain some sort of standard of living, and that money obviously wasn't available for his creditors. And I don't understand that kind of reasoning.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
-0.494
Negative
Moderation
Violence
0.0043785112
OpenAI Moderation v1 (007)
Violence > Graphic
0.003885289
OpenAI Moderation v1 (007)
Sexual
0.0034865465
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011525442
OpenAI Moderation v1 (007)
Harassment
0.0007620592
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001150394
OpenAI Moderation v1 (007)
Hate
7.0177E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.56759E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.77734E-5
OpenAI Moderation v1 (007)
Self-Harm
2.7688E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.463E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.6
Flesch-Kincaid Ease
78.7
Gunning-Fog Score
9.2
Coleman-Liau Index
8.1
SMOG Index
9.7
Automated Readability Index
4.4
Dale-Chall Readability Score
3.7
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
23

Jerry Nadler

But I also don't understand the reasoning of a system in which we say we are going to have a bill to crack down on people who don't pay their bills. And we are going to have a means test. And we are going to refuse chapter 7 relief for a lot of these people, but at the same time someone can legally shelter millions of dollars, as was said, in a homestead.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.275
Slightly Positive
Moderation
Violence
0.003005832
OpenAI Moderation v1 (007)
Harassment
0.0013830314
OpenAI Moderation v1 (007)
Sexual
0.0004820012
OpenAI Moderation v1 (007)
Violence > Graphic
0.0002095698
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001823272
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001576927
OpenAI Moderation v1 (007)
Self-Harm
0.0001162831
OpenAI Moderation v1 (007)
Hate
9.24761E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.98728E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.86133E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.3031E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
74.4
Gunning-Fog Score
13
Coleman-Liau Index
6.5
SMOG Index
11.3
Automated Readability Index
8.5
Dale-Chall Readability Score
2.7
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
14

Jerry Nadler

I frankly think a hundred thousand dollars is too little, too. But I think a quarter of a million dollars should be more than ample for any State, and I don't see why this as opposed to anything else in bankruptcy is a matter of States' rights except by tradition. And this House invades States' rights all the time. I think many of the people on the other side of the aisle think we should override States' rights on access to their courts, and we should have tort reform that says who can sue whom and under what circumstances and what kind of legal fees they can pay in State courts. So it is sort of strange to hear States' rights only here.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.46667
Positive
Harvard-IV (Absolute)
0.46667
Positive
Harvard-IV (Logit)
0.93827
VADER
-0.674
Very Negative
Moderation
Violence
0.0049743274
OpenAI Moderation v1 (007)
Sexual
0.0047919508
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0027682661
OpenAI Moderation v1 (007)
Violence > Graphic
0.0023877763
OpenAI Moderation v1 (007)
Harassment
0.0021771082
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006795453
OpenAI Moderation v1 (007)
Hate
0.0003022114
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002371037
OpenAI Moderation v1 (007)
Hate > Threatening
6.85329E-5
OpenAI Moderation v1 (007)
Self-Harm
5.82462E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.032E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
72.5
Gunning-Fog Score
12.1
Coleman-Liau Index
8.6
SMOG Index
10
Automated Readability Index
10.4
Dale-Chall Readability Score
3.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
24

Jerry Nadler

So how would you justify in a bill in which we are cracking down on people, because we are saying that people are abusing the bankruptcy system, allowing people to exempt, let us say more than a half a million dollars in homestead?
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
-0.382
Somewhat Negative
Moderation
Harassment
0.0555305742
OpenAI Moderation v1 (007)
Hate
0.0044654411
OpenAI Moderation v1 (007)
Sexual
0.003037332
OpenAI Moderation v1 (007)
Violence
0.0029594719
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006837598
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005310275
OpenAI Moderation v1 (007)
Self-Harm
0.0001635769
OpenAI Moderation v1 (007)
Sexual > Minors
0.000140345
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.82761E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.4879E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.604E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.3
Gunning-Fog Score
19
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11

Jeff Sessions

I thank the gentleman for his question. First of all, I was not trying to set an arbitrary figure. I believe it should be no cap. But I believe that if you look at, since 1792, that the Federal Government, the Congress of the United States, has allowed these States, individually, to determine how they would like to approach homestead exemptions in their own States in dealing with bankruptcy. I believe it is very important. I happen to live in a neighborhood where probably the average house is $250,000. That is perhaps a lot of money. But we are -- what we are dealing with here is the essence of individuals and their home, and the old saying that a person's home is their castle I believe is a true statement; that that which you have should be protected. You should not be thrown out of your own home for something that you have done. And creditors recognize this. They know that when they extend credit to you. And I think that there is simply a balance. I am simply saying to you, I believe that a hundred thousand dollars is incorrect, and I believe that it is not unreasonable to assume that we would not put a cap on. I thank the gentleman.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.65925
VADER
0.953
Very Positive
Moderation
Violence > Graphic
0.0148250387
OpenAI Moderation v1 (007)
Sexual
0.0123844162
OpenAI Moderation v1 (007)
Violence
0.0121062556
OpenAI Moderation v1 (007)
Harassment
0.0088121225
OpenAI Moderation v1 (007)
Sexual > Minors
0.0016304461
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015464098
OpenAI Moderation v1 (007)
Hate
0.0009399439
OpenAI Moderation v1 (007)
Self-Harm
0.0002389417
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001876247
OpenAI Moderation v1 (007)
Hate > Threatening
3.56927E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.6984E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
73.9
Gunning-Fog Score
9.9
Coleman-Liau Index
9
SMOG Index
10.6
Automated Readability Index
6
Dale-Chall Readability Score
3.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
36

George Gekas

The time of the gentleman has expired. We thank you very much.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Hate
0.0130381828
OpenAI Moderation v1 (007)
Violence
0.002890482
OpenAI Moderation v1 (007)
Harassment
0.0022421065
OpenAI Moderation v1 (007)
Sexual
0.001877825
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005469704
OpenAI Moderation v1 (007)
Sexual > Minors
9.19083E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
4.17789E-5
OpenAI Moderation v1 (007)
Self-Harm
2.4083E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.1799E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.147E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.5
Flesch-Kincaid Ease
87.9
Gunning-Fog Score
5.7
Coleman-Liau Index
8.2
SMOG Index
7.3
Automated Readability Index
0.8
Dale-Chall Readability Score
1.6
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
2

Jeff Sessions

Thank you, Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.3095802153
OpenAI Moderation v1 (007)
Violence
0.0240588502
OpenAI Moderation v1 (007)
Violence > Graphic
0.0077362623
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0072262272
OpenAI Moderation v1 (007)
Hate
0.0034435761
OpenAI Moderation v1 (007)
Sexual
0.0013535253
OpenAI Moderation v1 (007)
Self-Harm
0.0001413729
OpenAI Moderation v1 (007)
Sexual > Minors
6.48697E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.92661E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.5804E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.3743E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.3
Flesch-Kincaid Ease
91
Gunning-Fog Score
1.2
Coleman-Liau Index
12
SMOG Index
3.3
Automated Readability Index
5.2
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

George Gekas

And you are excused with our gratitude. And I think that the gratitude of the gentleman who is looking down at us from that portrait up there is also visited upon you. In fact, he is looking askance at us up here as we continue. He agrees with you, I am sure, on your position. We thank the gentleman.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.904
Very Positive
Moderation
Harassment
0.3472364973
OpenAI Moderation v1 (007)
Hate
0.0342577288
OpenAI Moderation v1 (007)
Sexual
0.0135431255
OpenAI Moderation v1 (007)
Violence > Graphic
0.0098788907
OpenAI Moderation v1 (007)
Violence
0.0079135621
OpenAI Moderation v1 (007)
Sexual > Minors
0.0032581611
OpenAI Moderation v1 (007)
Self-Harm
0.0021163927
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010801715
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002569204
OpenAI Moderation v1 (007)
Hate > Threatening
3.44175E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.3142E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.4
Flesch-Kincaid Ease
77.3
Gunning-Fog Score
10.1
Coleman-Liau Index
7.6
SMOG Index
10.5
Automated Readability Index
3.2
Dale-Chall Readability Score
3.8
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
9

Jeff Sessions

Thank you, Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.0765903329
OpenAI Moderation v1 (007)
Violence
0.0097467586
OpenAI Moderation v1 (007)
Hate
0.0046744779
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0042872885
OpenAI Moderation v1 (007)
Violence > Graphic
0.0032930722
OpenAI Moderation v1 (007)
Sexual
0.00226762
OpenAI Moderation v1 (007)
Self-Harm
0.0003905536
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003608809
OpenAI Moderation v1 (007)
Sexual > Minors
9.07387E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.53234E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.28627E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.3
Flesch-Kincaid Ease
91
Gunning-Fog Score
1.2
Coleman-Liau Index
12
SMOG Index
3.3
Automated Readability Index
5.2
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

George Gekas

It is now time to return to the full-blown hearing to which we are committed. We note the presence now of the gentleman from Ohio, Mr. Chabot, and the gentleman from New York, Mr. Weiner. As has been said in many different ways thus far, this is a historic moment in that the joint hearing scheduled between the Senate and the House and those who are engaged in bankruptcy reform signifies -- signals a blending of wills and a blending of concepts as we pursue bankruptcy reform in the current session of the Congress.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.586
Very Positive
Moderation
Violence
0.0201559582
OpenAI Moderation v1 (007)
Violence > Graphic
0.0192897103
OpenAI Moderation v1 (007)
Sexual
0.0069700334
OpenAI Moderation v1 (007)
Hate
0.0050769424
OpenAI Moderation v1 (007)
Harassment
0.0033244967
OpenAI Moderation v1 (007)
Sexual > Minors
0.0022015967
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004424933
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001048629
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.5618E-5
OpenAI Moderation v1 (007)
Self-Harm
3.77139E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.2037E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
66.3
Gunning-Fog Score
11.3
Coleman-Liau Index
10.1
SMOG Index
11.3
Automated Readability Index
8.7
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
25

George Gekas

From the very first, back in the last session and now replicated here, this has been a bipartisan effort judging from the votes, both the House and the Senate, and on the conference report in the House last year. Further evidence that it is a bipartisan approach is the fact that at the outset in this session, we have fought consistently to bring about a bipartisan study of the measures that and the standards that are going to be applied. We have had several briefings for staff for the minority and the majority. We have had visiting lecturers on the very vexing problem of child support and its role in the primacy that we accord certain entities in the bankruptcy reform measures. We have had a breakfast and a luncheon for all those purposes. These staff briefings will continue, and the next one will be held Tuesday I am informed, is that correct? All of these in the spirit of and in the necessity of bringing about bipartisan understanding and support of bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.86904
VADER
-0.088
Neutral
Moderation
Harassment
0.0451266533
OpenAI Moderation v1 (007)
Violence
0.0157743401
OpenAI Moderation v1 (007)
Violence > Graphic
0.0091438174
OpenAI Moderation v1 (007)
Sexual
0.0046009965
OpenAI Moderation v1 (007)
Hate
0.001592196
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015764179
OpenAI Moderation v1 (007)
Self-Harm
0.0011703734
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001780317
OpenAI Moderation v1 (007)
Sexual > Minors
8.927E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.59333E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.56515E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53.2
Gunning-Fog Score
15.5
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
45
Sprache Difficult Word Count
43

George Gekas

The briefings that will begin Tuesday, by the way, will include not just the bill that we have introduced that is before us now, but that which is potentially to be introduced, as I understand, by Mr. Nadler, if there be one. And if there be one, it will also be part of the presentation that will be made to staff and to members in preparation for these hearings.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Violence
0.004044361
OpenAI Moderation v1 (007)
Sexual
0.001475759
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012371896
OpenAI Moderation v1 (007)
Harassment
0.0001913291
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001678767
OpenAI Moderation v1 (007)
Hate
5.69898E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.43936E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.2301E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.7511E-6
OpenAI Moderation v1 (007)
Self-Harm
5.0185E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.181E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
69.5
Gunning-Fog Score
12.7
Coleman-Liau Index
8.6
SMOG Index
11.3
Automated Readability Index
9.6
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14

George Gekas

We have two concepts that have not changed and will not change and which form the foundation of bankruptcy reform: to guarantee the fresh start to those who are so burdened by debt that they cannot and their families cannot survive without giving them that fresh start; and two, an earnest effort on the part of our society to make certain that those who are able to repay all or part of their debt should be given a mechanism and compelled to enter the halls of bankruptcy with a view for repayment of some of that debt over a period of time.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.547
Very Positive
Moderation
Sexual
0.1048248494
OpenAI Moderation v1 (007)
Violence
0.0503718562
OpenAI Moderation v1 (007)
Harassment
0.0106938336
OpenAI Moderation v1 (007)
Violence > Graphic
0.0091163667
OpenAI Moderation v1 (007)
Sexual > Minors
0.0026773876
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0022436336
OpenAI Moderation v1 (007)
Self-Harm
0.0013422753
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002034091
OpenAI Moderation v1 (007)
Hate > Threatening
9.11212E-5
OpenAI Moderation v1 (007)
Hate
7.37869E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.59462E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
22

George Gekas

Those two precepts are unarguable in their meaning. And the debate will fasten on that I am sure as we proceed. But let no one criticize anyone for looking at ways and means to grant a fresh start where it is needed; nor should one be criticized for looking at methodologies for providing repayment of some of the debt by those who are able to pay it.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.477
Negative
Moderation
Violence
0.0298567553
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0052970561
OpenAI Moderation v1 (007)
Harassment
0.0043709228
OpenAI Moderation v1 (007)
Violence > Graphic
0.0021048936
OpenAI Moderation v1 (007)
Sexual
0.0020603489
OpenAI Moderation v1 (007)
Sexual > Minors
0.000227274
OpenAI Moderation v1 (007)
Hate
0.0001577823
OpenAI Moderation v1 (007)
Self-Harm
6.68644E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.98317E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.6158E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.797E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
68
Gunning-Fog Score
12.5
Coleman-Liau Index
8.9
SMOG Index
11.3
Automated Readability Index
9.5
Dale-Chall Readability Score
4.6
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16

George Gekas

With that, I will entertain opening remarks by the gentleman from New York, Mr. Nadler.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.318
Somewhat Positive
Moderation
Harassment
0.0263995345
OpenAI Moderation v1 (007)
Violence > Graphic
0.0150014239
OpenAI Moderation v1 (007)
Violence
0.0092055401
OpenAI Moderation v1 (007)
Sexual
0.004171806
OpenAI Moderation v1 (007)
Self-Harm
0.0008886112
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008823766
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006853762
OpenAI Moderation v1 (007)
Hate
0.0005941598
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004257463
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.99511E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.7189E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.4
Flesch-Kincaid Ease
69.5
Gunning-Fog Score
11
Coleman-Liau Index
11.3
SMOG Index
10.3
Automated Readability Index
4
Dale-Chall Readability Score
6.7
Sprache Readability Score
2.1
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
7

Jerry Nadler

Thank you, Mr. Chairman. Mr. Chairman, today we begin our hearings on bankruptcy legislation. As you know, our Senate colleagues will be unable to participate in today's hearing, or most of it, because of floor votes. Senators who had intended to present testimony to us today will be unable to do so. I would hope that we could accommodate them when we hear from members next week. I think our colleagues from the other body have something to contribute. I hope we can accommodate them.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.66
Very Positive
Moderation
Harassment
0.049429643
OpenAI Moderation v1 (007)
Violence
0.0202677926
OpenAI Moderation v1 (007)
Harassment > Threatening
0.011558766
OpenAI Moderation v1 (007)
Sexual
0.0044318542
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018349594
OpenAI Moderation v1 (007)
Hate
0.0010792705
OpenAI Moderation v1 (007)
Self-Harm
0.0007311292
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002689645
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002263213
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.84138E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.2944E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.4
Flesch-Kincaid Ease
65.9
Gunning-Fog Score
10.4
Coleman-Liau Index
11.1
SMOG Index
10.4
Automated Readability Index
4.8
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
19

Jerry Nadler

Mr. Chairman, as you well know, I have not reintroduced the legislation that Mr. Conyers and I introduced last year, because I thought it necessary to take a fresh look at some of the issues before us and approach this matter with an open mind. To that end, we have been in contact with professionals from across the spectrum, from business lawyers to creditor representatives, to administrators in an effort to gain a better understanding of what they think we ought to do to ensure fairness, balance, honesty, and efficiency in our bankruptcy system.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.84615
Very Positive
Harvard-IV (Absolute)
0.84615
Very Positive
Harvard-IV (Logit)
2.12026
VADER
0.951
Very Positive
Moderation
Violence
0.0154311274
OpenAI Moderation v1 (007)
Harassment
0.0092345712
OpenAI Moderation v1 (007)
Hate
0.0064385575
OpenAI Moderation v1 (007)
Violence > Graphic
0.0032956956
OpenAI Moderation v1 (007)
Sexual
0.0020513891
OpenAI Moderation v1 (007)
Self-Harm
0.0009076648
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001312594
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.71782E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.54358E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.5524E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.1846E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
48.9
Gunning-Fog Score
15.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
29

Jerry Nadler

I know we have had some rather strong differences over some parts of this legislation; that is, the legislation that you introduced last year and that you have reintroduced. As you know, I think it is one of the most unbalanced and one-sided piece of legislation I have ever seen. But I would hope that we could use these hearings as an opportunity to learn and perhaps find creative approaches to some of these difficult questions.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.856
Very Positive
Moderation
Harassment
0.0226027987
OpenAI Moderation v1 (007)
Violence
0.0202362979
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008345474
OpenAI Moderation v1 (007)
Sexual
0.0008015662
OpenAI Moderation v1 (007)
Hate
0.0002456703
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001973592
OpenAI Moderation v1 (007)
Sexual > Minors
7.4874E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.6119E-6
OpenAI Moderation v1 (007)
Self-Harm
1.0609E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.49E-8
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.0E-10
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
59.9
Gunning-Fog Score
15.5
Coleman-Liau Index
11
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
3.5
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
14

Jerry Nadler

Next week, I know that you have scheduled nine panels in 3 days and that our staffs have been discussing possible witnesses to provide members with a broad spectrum of views. I am concerned that these hearings, packed so tightly -- three panels a day in 3 days, with a possible markup the following week -- in such a short period of time may leave little time for deliberation. Some may conclude that they are window dressing for a pre-determined outcome. I will not say that. I hope that, in fact, there will be some time after those hearings before the markup; that you will not schedule a markup for the week after so that people will have time -- since they won't have time to think between those hearings 1 day to the next, to think about what we have heard and to talk to each other so that we could actually reflect what we have heard in those hearings in the legislation.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.192
Leans Negative
Moderation
Sexual
0.0190557359
OpenAI Moderation v1 (007)
Violence > Graphic
0.0080676306
OpenAI Moderation v1 (007)
Violence
0.002723372
OpenAI Moderation v1 (007)
Harassment
0.0018056502
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011256128
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005652837
OpenAI Moderation v1 (007)
Self-Harm
0.0002282412
OpenAI Moderation v1 (007)
Hate
0.0001411521
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.64403E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.44122E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.4157E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
63.8
Gunning-Fog Score
15.2
Coleman-Liau Index
9.4
SMOG Index
10.9
Automated Readability Index
12
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
29

Jerry Nadler

Obviously, were markups scheduled for the following week, I would certainly conclude that there was a pre-determined outcome and that the hearings were window dressing. I hope that will not happen. I hope that we can actually review the testimony and have the time to do that, and shape legislation together that reflects the best advice we have received.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.838
Very Positive
Moderation
Sexual
0.015958838
OpenAI Moderation v1 (007)
Violence > Graphic
0.0113431168
OpenAI Moderation v1 (007)
Violence
0.0032855343
OpenAI Moderation v1 (007)
Harassment
0.0024997107
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007348607
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006605667
OpenAI Moderation v1 (007)
Hate
0.0004359361
OpenAI Moderation v1 (007)
Self-Harm
0.0001038534
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.47597E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.2643E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.4696E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
56.8
Gunning-Fog Score
12.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.3
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
19

Jerry Nadler

We may not agree on all points, but we may be able to narrow the range of issues and at the very least to clarify our points of disagreement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.8473
VADER
-0.538
Very Negative
Moderation
Sexual
0.021082435
OpenAI Moderation v1 (007)
Violence > Graphic
0.0053303633
OpenAI Moderation v1 (007)
Violence
0.0009396491
OpenAI Moderation v1 (007)
Harassment
0.0007463298
OpenAI Moderation v1 (007)
Sexual > Minors
0.000656059
OpenAI Moderation v1 (007)
Self-Harm
0.0005579584
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000292905
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001379573
OpenAI Moderation v1 (007)
Hate
6.69344E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.4663E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.0138E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
63.6
Gunning-Fog Score
14.4
Coleman-Liau Index
6.7
SMOG Index
11.3
Automated Readability Index
11.1
Dale-Chall Readability Score
3.6
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6

Jerry Nadler

I certainly hope that these hearings will not be merely an exercise in creating the appearance of fact finding prior to a pre-determined course of action. I hope that we do not simply rush last year's product through the process without any heed to the many thoughtful comments we have received and will receive from across the professional spectrum, especially during these hearings.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.9
Very Positive
Moderation
Violence
0.0033558335
OpenAI Moderation v1 (007)
Hate
0.001186325
OpenAI Moderation v1 (007)
Harassment
0.0010210501
OpenAI Moderation v1 (007)
Violence > Graphic
0.0010181856
OpenAI Moderation v1 (007)
Sexual
0.0006863042
OpenAI Moderation v1 (007)
Self-Harm
0.0004667144
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002905494
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000225004
OpenAI Moderation v1 (007)
Sexual > Minors
3.16169E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.97367E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.2115E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.5
Gunning-Fog Score
16.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
25

Jerry Nadler

I know I was, as were many professionals, deeply disappointed to see the reintroduction of last year's conference report, down to all the typos, which were not corrected, and without even correcting the technical errors that I know had been brought to the attention of the majority staff. I hope it does not portend the future course of this legislation.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.95551
VADER
-0.434
Negative
Moderation
Harassment > Threatening
0.0020536361
OpenAI Moderation v1 (007)
Sexual
0.0012907273
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008479863
OpenAI Moderation v1 (007)
Violence
0.0006533281
OpenAI Moderation v1 (007)
Harassment
0.0004651858
OpenAI Moderation v1 (007)
Self-Harm
6.10994E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.18599E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.98602E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.65524E-5
OpenAI Moderation v1 (007)
Hate
1.60164E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.7359E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.4
Gunning-Fog Score
18.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
18

Jerry Nadler

Mr. Chairman, despite my uneasy feeling that American families may be about to get the bum's rush from Congress, I begin these hearings hopefully, with an open mind and a strong desire to work with you to improve our nation's bankruptcy system. I know that any such attempt will result in a bill that has yet to be written. Thank you, Mr. Chairman.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.925
Very Positive
Moderation
Violence
0.042170973
OpenAI Moderation v1 (007)
Sexual
0.0312448683
OpenAI Moderation v1 (007)
Harassment
0.0178643095
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055298755
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032044303
OpenAI Moderation v1 (007)
Self-Harm
0.0027598757
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006440267
OpenAI Moderation v1 (007)
Hate
0.0003290004
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001705318
OpenAI Moderation v1 (007)
Hate > Threatening
8.73281E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.81136E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.4
Flesch-Kincaid Ease
71.8
Gunning-Fog Score
7.6
Coleman-Liau Index
9.9
SMOG Index
9
Automated Readability Index
5.4
Dale-Chall Readability Score
4.6
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
19

Note

[The prepared statement of Mr. Nadler follows:] Prepared Statement of Hon. Jerrold Nadler, a Representative in Congress from the State of New York
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Harassment
0.0875017839
OpenAI Moderation v1 (007)
Harassment > Threatening
0.057697267
OpenAI Moderation v1 (007)
Sexual
0.0543672009
OpenAI Moderation v1 (007)
Violence
0.0448958832
OpenAI Moderation v1 (007)
Violence > Graphic
0.0083068131
OpenAI Moderation v1 (007)
Hate
0.0051627881
OpenAI Moderation v1 (007)
Sexual > Minors
0.004140037
OpenAI Moderation v1 (007)
Hate > Threatening
0.0008862924
OpenAI Moderation v1 (007)
Self-Harm
0.0002172618
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.00496E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.1988E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6
Flesch-Kincaid Ease
66.5
Gunning-Fog Score
3.2
Coleman-Liau Index
12
SMOG Index
7.3
Automated Readability Index
6.4
Dale-Chall Readability Score
8.3
Sprache Readability Score
2.4
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9

Jerry Nadler

Thank you, Mr. Chairman. Well, it's deja vu all over again. Or as someone once observed, if history repeats itself, the first time is tragedy, the second time is farce. Unfortunately, for millions of Americans whose families, businesses, jobs, communities and futures will be touched by the Bankruptcy Code today's travesty may be farcical, but it is far from funny.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
-0.115
Leans Negative
Moderation
Violence > Graphic
0.091350812
OpenAI Moderation v1 (007)
Sexual
0.0140846954
OpenAI Moderation v1 (007)
Harassment
0.0108136453
OpenAI Moderation v1 (007)
Violence
0.0058635698
OpenAI Moderation v1 (007)
Hate
0.0040766634
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012668533
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001730535
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001195873
OpenAI Moderation v1 (007)
Self-Harm
0.0001003853
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.04009E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.8173E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
56.5
Gunning-Fog Score
11.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.3
Dale-Chall Readability Score
5.1
Sprache Readability Score
4
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
23

Jerry Nadler

Let us review: The Chairman has reintroduced his conference bill from last year, without so much as correcting the typos or the technical errors, much less attempting to deal with the many serious policy problems pointed out by professionals from across the spectrum -- judges, trustees, debtor attorneys, unsecured trade creditors, creditor attorneys, academics. Anyone who does not have a special interest provision in this bill, or who is not on their payroll, has criticized this bill, but the Chairman has ignored the unified voice of the profession.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
-0.16667
Leans Negative
Harvard-IV (Absolute)
-0.16667
Leans Negative
Harvard-IV (Logit)
-0.31015
VADER
-0.642
Very Negative
Moderation
Violence
0.0750954845
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0309377181
OpenAI Moderation v1 (007)
Harassment
0.0194996377
OpenAI Moderation v1 (007)
Sexual
0.017249721
OpenAI Moderation v1 (007)
Hate > Threatening
0.006931735
OpenAI Moderation v1 (007)
Violence > Graphic
0.0025198562
OpenAI Moderation v1 (007)
Sexual > Minors
0.0014180095
OpenAI Moderation v1 (007)
Hate
0.0007026283
OpenAI Moderation v1 (007)
Self-Harm
0.0003760262
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.19646E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1028E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
33

Jerry Nadler

We did have a hurried hearing schedule over four days. I will give the Chairman credit for inviting some very good witnesses whose testimony was thoughtful and informative. Unfortunately, the hearings appear to have been merely for show and do not appear to have had any impact on the proponents of this legislation. They were, quite simply, hearings without listening -- the legislative equivalent of one hand clapping.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.888
Very Positive
Moderation
Violence
0.043615888
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0339310209
OpenAI Moderation v1 (007)
Harassment
0.0192742853
OpenAI Moderation v1 (007)
Violence > Graphic
0.0052027081
OpenAI Moderation v1 (007)
Sexual
0.0038011287
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005177206
OpenAI Moderation v1 (007)
Hate
0.0001519983
OpenAI Moderation v1 (007)
Self-Harm
4.28476E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.38468E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.0552E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.488E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
49.7
Gunning-Fog Score
12.1
Coleman-Liau Index
12
SMOG Index
11.8
Automated Readability Index
11.1
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
20

Jerry Nadler

We have before us a substitute which the minority received late last night. I hope the Chairman will not be offended to discover that we have not had the opportunity to comb carefully through all 310 pages. Perhaps, after the markup, we will have the chance to find out what it was we were being asked to vote on.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.633
Very Positive
Moderation
Sexual
0.009983679
OpenAI Moderation v1 (007)
Violence > Graphic
0.0051294715
OpenAI Moderation v1 (007)
Violence
0.0039726991
OpenAI Moderation v1 (007)
Harassment
0.0028258186
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024305824
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007505932
OpenAI Moderation v1 (007)
Hate
0.0005404424
OpenAI Moderation v1 (007)
Self-Harm
0.0003060034
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002752854
OpenAI Moderation v1 (007)
Hate > Threatening
3.77711E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.8717E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.3
Flesch-Kincaid Ease
70.7
Gunning-Fog Score
11.9
Coleman-Liau Index
8.8
SMOG Index
11.3
Automated Readability Index
8.1
Dale-Chall Readability Score
3.7
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
14

Jerry Nadler

We really have reached a crossroads today. I wish to share with the Chairman and the members of the Subcommittee a letter I received from Jack Lew, the Director of OMB, reiterating the President's strong objections to the Conference Report from last year, which is embodied in this bill, and reiterating the President's determination to veto this bill and work for real fair and balanced reform. Let me quote: "We were disappointed that the Conference Report failed to include key provisions of the Senate bill, thus failing the test of balance. In my letter to Congressional leadership dated October 9, 1998, I noted that the President's senior advisors recommended that the President veto the Conference Report. Our position from last year has not changed." Now, Mr. Chairman, you know that I did not introduce my bill from last year, but have decided to take a fresh start and work with professionals from across the spectrum, with a broad variety of interests affected by the Code -- indeed, just yesterday I met with representatives of Visa to open a dialogue -- in an effort to find a common ground. I urge you and my colleagues on both sides of the aisle to join me in that endeavor so that we can achieve real, balanced and workable bankruptcy reform by the end of this Congress. Another futile war of words will accomplish nothing.
Sentiment
Loughran McDonald (Relative)
-0.27273
Slightly Negative
Loughran McDonald (Absolute)
-0.27273
Slightly Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.28
Slightly Positive
Harvard-IV (Absolute)
0.28
Slightly Positive
Harvard-IV (Logit)
0.55207
VADER
0.327
Somewhat Positive
Moderation
Harassment > Threatening
0.0029603127
OpenAI Moderation v1 (007)
Sexual
0.0015325639
OpenAI Moderation v1 (007)
Violence
0.0012881622
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005466242
OpenAI Moderation v1 (007)
Harassment
0.0002725714
OpenAI Moderation v1 (007)
Self-Harm
0.0002285571
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001387043
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001078975
OpenAI Moderation v1 (007)
Hate
7.45199E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.549E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.0764E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
50.6
Gunning-Fog Score
15.1
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
71
Sprache Difficult Word Count
71

Jerry Nadler

I will not offer many amendments today, but I hope that after this markup, we will have the opportunity to work together, to start anew, to work with the experts, with the President and with our colleagues to get it right this time.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.82
Very Positive
Moderation
Violence
0.6501928438
OpenAI Moderation v1 (007)
Harassment > Threatening
0.2364266431
OpenAI Moderation v1 (007)
Harassment
0.0067238085
OpenAI Moderation v1 (007)
Sexual
0.0023299528
OpenAI Moderation v1 (007)
Hate > Threatening
0.0009389567
OpenAI Moderation v1 (007)
Self-Harm
0.0008468621
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008238844
OpenAI Moderation v1 (007)
Hate
0.0006601202
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002951578
OpenAI Moderation v1 (007)
Sexual > Minors
2.20428E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.4343E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.2
Gunning-Fog Score
19
Coleman-Liau Index
9.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

Jerry Nadler

Thank you, Mr. Chairman. I yield back the balance of my time.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Sexual
0.0501825591
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020268579
OpenAI Moderation v1 (007)
Violence
0.0020175779
OpenAI Moderation v1 (007)
Harassment
0.0017586703
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0011891452
OpenAI Moderation v1 (007)
Self-Harm
0.0005958007
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003024989
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000248547
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001777847
OpenAI Moderation v1 (007)
Hate
0.0001412761
OpenAI Moderation v1 (007)
Hate > Threatening
1.8116E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
1.6
Coleman-Liau Index
6.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
5.5
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

George Gekas

We thank the gentleman. Time has expired. Does anyone from the -- the gentleman from Ohio indicates that he would have an opening statement. The gentleman from Tennessee if recognized for 5 minutes.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.361
Somewhat Positive
Moderation
Violence > Graphic
0.0500182796
OpenAI Moderation v1 (007)
Violence
0.0329698552
OpenAI Moderation v1 (007)
Harassment
0.0136245726
OpenAI Moderation v1 (007)
Self-Harm
0.0052860301
OpenAI Moderation v1 (007)
Hate
0.0044140841
OpenAI Moderation v1 (007)
Sexual
0.0037406659
OpenAI Moderation v1 (007)
Hate > Threatening
0.0029721457
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0025600499
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.001684137
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007723283
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004166489
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.3
Flesch-Kincaid Ease
63.9
Gunning-Fog Score
10.7
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
6
Dale-Chall Readability Score
3.9
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

Ed Bryant

Mr. Chairman, I just simply want to say that based on the positioning here, I am honored to be senior to Senator Thurman, who is not here. Perhaps that is a classic example of the bankruptcy fresh start. [Laughter.]
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.751
Very Positive
Moderation
Sexual
0.0512309431
OpenAI Moderation v1 (007)
Harassment
0.0183271841
OpenAI Moderation v1 (007)
Violence
0.0068039888
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0051972187
OpenAI Moderation v1 (007)
Violence > Graphic
0.0040297044
OpenAI Moderation v1 (007)
Sexual > Minors
0.0024058379
OpenAI Moderation v1 (007)
Self-Harm
0.0012638414
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005242231
OpenAI Moderation v1 (007)
Hate
0.0004265669
OpenAI Moderation v1 (007)
Hate > Threatening
5.03949E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.93665E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
69.3
Gunning-Fog Score
9.3
Coleman-Liau Index
9
SMOG Index
10.6
Automated Readability Index
4.7
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
12

George Gekas

The gentleman from New York, does he wish to make an opening statement?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.402
Positive
Moderation
Violence
0.0036127974
OpenAI Moderation v1 (007)
Violence > Graphic
0.0019072268
OpenAI Moderation v1 (007)
Sexual
0.0016709131
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015888969
OpenAI Moderation v1 (007)
Harassment
0.0011307643
OpenAI Moderation v1 (007)
Self-Harm
0.0004260595
OpenAI Moderation v1 (007)
Hate
0.0001093076
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.31868E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.15796E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.98023E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.8621E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.8
Flesch-Kincaid Ease
76.5
Gunning-Fog Score
11.4
Coleman-Liau Index
10
SMOG Index
11.3
Automated Readability Index
5.7
Dale-Chall Readability Score
4.3
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4

Anthony Weiner

I have no opening statement.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.296
Slightly Negative
Moderation
Violence
0.0294495752
OpenAI Moderation v1 (007)
Violence > Graphic
0.0206282391
OpenAI Moderation v1 (007)
Self-Harm
0.007140512
OpenAI Moderation v1 (007)
Harassment
0.0035467321
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0018372233
OpenAI Moderation v1 (007)
Sexual
0.0013911866
OpenAI Moderation v1 (007)
Hate
0.0010971407
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000712955
OpenAI Moderation v1 (007)
Sexual > Minors
8.82748E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.67247E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.07638E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.2
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
10
Coleman-Liau Index
11.2
SMOG Index
9
Automated Readability Index
2.7
Dale-Chall Readability Score
6.6
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

George Gekas

The gentleman from Massachusetts is recognized for 5 minutes.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
6.891143322
OpenAI Moderation v1 (007)
Violence
0.2657869598
OpenAI Moderation v1 (007)
Harassment > Threatening
0.1166949165
OpenAI Moderation v1 (007)
Violence > Graphic
0.0441187964
OpenAI Moderation v1 (007)
Hate
0.015998345
OpenAI Moderation v1 (007)
Self-Harm
0.0052881427
OpenAI Moderation v1 (007)
Hate > Threatening
0.0014593758
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000348084
OpenAI Moderation v1 (007)
Sexual
0.0003091009
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001803509
OpenAI Moderation v1 (007)
Sexual > Minors
1.71134E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
47.3
Gunning-Fog Score
12.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.8
Dale-Chall Readability Score
4
Sprache Readability Score
2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3

William Delahunt

Yes, thank you, Mr. Chairman. I am not going to take all 5 minutes. But I want to express similar concerns that were expressed by the ranking member, Mr. Nadler.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.671
Very Positive
Moderation
Violence
0.031750364
OpenAI Moderation v1 (007)
Harassment
0.0311957265
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0142109115
OpenAI Moderation v1 (007)
Violence > Graphic
0.0027041488
OpenAI Moderation v1 (007)
Sexual
0.0014056723
OpenAI Moderation v1 (007)
Hate
0.0003990005
OpenAI Moderation v1 (007)
Sexual > Minors
0.000190676
OpenAI Moderation v1 (007)
Hate > Threatening
3.63251E-5
OpenAI Moderation v1 (007)
Self-Harm
2.02683E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.9231E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.242E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.7
Flesch-Kincaid Ease
93.6
Gunning-Fog Score
3.7
Coleman-Liau Index
8.3
SMOG Index
5.8
Automated Readability Index
0.9
Dale-Chall Readability Score
5
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10

William Delahunt

We had two members, two brand new members, speaking to the concept of fresh start on this side of the aisle, Ms. Baldwin and Mr. Weiner. This is very complicated material. Last year, you and I had this discussion about the scheduling of hearings. And I think it is a grave mistake to schedule three consecutive days on this subject, with three different panels. You and I know that there will be -- it will be impossible for members to attend to each and every one of these panels. I think that is a mistake.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.625
Very Negative
Moderation
Sexual
0.0237950415
OpenAI Moderation v1 (007)
Harassment
0.0055608438
OpenAI Moderation v1 (007)
Violence > Graphic
0.0045484059
OpenAI Moderation v1 (007)
Hate
0.0003848725
OpenAI Moderation v1 (007)
Violence
0.000309315
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002223983
OpenAI Moderation v1 (007)
Harassment > Threatening
5.29979E-5
OpenAI Moderation v1 (007)
Self-Harm
3.68879E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.9746E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.5821E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.78E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.6
Flesch-Kincaid Ease
76.1
Gunning-Fog Score
8.1
Coleman-Liau Index
9.2
SMOG Index
9
Automated Readability Index
4.4
Dale-Chall Readability Score
3.3
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
20

William Delahunt

I also want to note that last year, myself and Mr. Nadler filed a request in January 1998 with the Congressional Budget Office for information, an analysis on the issues surrounding personal bankruptcy. And I want to enter into the record a letter dated March 10, 1999. It is addressed to Congressman Nadler. Dear Congressman, I am writing in regard to your request of January 14, 1998, for background information on issues surrounding personal bankruptcy. The staff analysis is almost complete. And I will review it carefully or soon get it done. Although we have many other assignments from Congress, I am sure that the material will be ready for release to you by the end of March.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.818
Very Positive
Moderation
Violence
0.003915406
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009676863
OpenAI Moderation v1 (007)
Sexual
0.0004609195
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002955203
OpenAI Moderation v1 (007)
Violence > Graphic
0.000250263
OpenAI Moderation v1 (007)
Harassment
0.0001813523
OpenAI Moderation v1 (007)
Hate > Threatening
7.33215E-5
OpenAI Moderation v1 (007)
Hate
2.71642E-5
OpenAI Moderation v1 (007)
Self-Harm
1.08854E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.7671E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.002E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
59.2
Gunning-Fog Score
10.3
Coleman-Liau Index
10.9
SMOG Index
11.8
Automated Readability Index
7.3
Dale-Chall Readability Score
5.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
31

William Delahunt

I think it is appropriate, since we made this request, since there is serious disagreement in terms of various analysis by both the credit industry and others that we wait clearly in terms of markup until the CBO has provided us with an independent analysis of the information I think that is absolutely essential before we can make a reasoned, thoughtful decision in terms of where we go.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.83333
Very Positive
Harvard-IV (Absolute)
0.83333
Very Positive
Harvard-IV (Logit)
2.03688
VADER
0.625
Very Positive
Moderation
Violence
0.0596010592
OpenAI Moderation v1 (007)
Harassment
0.02405915
OpenAI Moderation v1 (007)
Violence > Graphic
0.0057696088
OpenAI Moderation v1 (007)
Harassment > Threatening
0.004567884
OpenAI Moderation v1 (007)
Self-Harm
0.0027812108
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013009461
OpenAI Moderation v1 (007)
Hate
0.0010788517
OpenAI Moderation v1 (007)
Sexual
0.0001945087
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.35646E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.02977E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.14037E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
1
Gunning-Fog Score
19
Coleman-Liau Index
11.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
20

William Delahunt

And I would also recommend, and I think it would be very, very fruitful, Mr. Chairman, that we consult in an informal basis to see among members -- among those of us that serve on this committee to see where there are areas of agreement. We didn't do it last year, and we failed to have a bill. I think if we sit down with each other and work -- in fact, my friend and colleague from New York just asked me. He said, gee, it looks to me as I become conversant with the issues that we are going to be addressing here is that there is a lot that we can agree on. I think if there is a sincere and genuine intent to do something that would come out of the committee where we could all support -- and maybe there would be some dissatisfaction -- that it would be appropriate for us to sit down and consult in good faith in a reasonable period of time to determine whether is areas that we can agree on.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.27297
VADER
0.948
Very Positive
Moderation
Violence > Graphic
0.0765083008
OpenAI Moderation v1 (007)
Violence
0.074042019
OpenAI Moderation v1 (007)
Harassment
0.0207543038
OpenAI Moderation v1 (007)
Self-Harm
0.0103982042
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0046361121
OpenAI Moderation v1 (007)
Hate
0.003457093
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016874035
OpenAI Moderation v1 (007)
Sexual
0.0013516691
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003393116
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001118113
OpenAI Moderation v1 (007)
Hate > Threatening
1.08759E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.4
Flesch-Kincaid Ease
65.5
Gunning-Fog Score
14.7
Coleman-Liau Index
7.5
SMOG Index
11.7
Automated Readability Index
11.9
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
34

William Delahunt

And I yield back.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.0037297552
OpenAI Moderation v1 (007)
Hate
0.0031694191
OpenAI Moderation v1 (007)
Violence
0.0024981186
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008803576
OpenAI Moderation v1 (007)
Sexual
0.0001604756
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001315311
OpenAI Moderation v1 (007)
Self-Harm
3.91285E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.53224E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.003E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.82E-8
OpenAI Moderation v1 (007)
Hate > Threatening
1.22E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
1.6
Coleman-Liau Index
3.3
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.1
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

William Delahunt

Would the gentleman yield for a moment? I yield to the chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Harassment
0.0762687763
OpenAI Moderation v1 (007)
Violence > Graphic
0.0371705974
OpenAI Moderation v1 (007)
Violence
0.0342445011
OpenAI Moderation v1 (007)
Hate
0.0248580123
OpenAI Moderation v1 (007)
Self-Harm
0.0074310003
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0036665511
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010771298
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006042058
OpenAI Moderation v1 (007)
Sexual
0.0005876047
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001345983
OpenAI Moderation v1 (007)
Hate > Threatening
3.33207E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.5
Flesch-Kincaid Ease
87.9
Gunning-Fog Score
5.7
Coleman-Liau Index
9.2
SMOG Index
7.3
Automated Readability Index
1.6
Dale-Chall Readability Score
4.2
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3

George Gekas

I'll yield myself what time I may consume. I simply refer back to my opening statement in which I took special aim at the fact that we have provided the staff briefings, the breakfasts, the luncheons, more staff briefings. We have been accommodating in any request that any member of the minority has been making. This bill is a replication, by and large, of the issues of last year. Those that were in the last session have a head start like all of us. Those who, like Mr. Weiner, need to catch up are given fresh opportunities every day to do so, with these briefings. I will not refuse to meet with anyone on any subject at any time. And informal discussions following staff briefings may be appropriate. But I will not abide by any comment that we are bludgeoning our way through this process. This is well-calculated to inform every member, to allow full study by every member, to allow full participation by every member, to allow full presentation of individual views, to ask for special meetings between interested parties, to bring outside consultants in at any time as we have strenuously attempted to do, and we will continue to do so. So the issue is joined. We will be accommodating, and we will continue to be accommodating.
Sentiment
Loughran McDonald (Relative)
0.2
Leans Positive
Loughran McDonald (Absolute)
0.2
Leans Positive
Loughran McDonald (Logit)
0.33647
Harvard-IV (Relative)
0.65714
Very Positive
Harvard-IV (Absolute)
0.65714
Very Positive
Harvard-IV (Logit)
1.51259
VADER
0.971
Very Positive
Moderation
Violence > Graphic
0.039611652
OpenAI Moderation v1 (007)
Violence
0.0233829516
OpenAI Moderation v1 (007)
Self-Harm
0.0068003174
OpenAI Moderation v1 (007)
Harassment
0.0057514313
OpenAI Moderation v1 (007)
Sexual
0.0037813305
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0027629332
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012901269
OpenAI Moderation v1 (007)
Sexual > Minors
0.001068135
OpenAI Moderation v1 (007)
Hate
0.0007943786
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.24592E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.30314E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.4
Flesch-Kincaid Ease
57.8
Gunning-Fog Score
12
Coleman-Liau Index
10.7
SMOG Index
11.8
Automated Readability Index
8.2
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
49
Sprache Difficult Word Count
49

Jerry Nadler

Will the chairman yield?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence
0.0194576627
OpenAI Moderation v1 (007)
Harassment
0.0078671983
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0064579275
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014352469
OpenAI Moderation v1 (007)
Hate
0.000695361
OpenAI Moderation v1 (007)
Self-Harm
0.000105194
OpenAI Moderation v1 (007)
Sexual
0.0001038995
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.61863E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.21251E-5
OpenAI Moderation v1 (007)
Sexual > Minors
8.1769E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.867E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.7
Flesch-Kincaid Ease
97
Gunning-Fog Score
1.6
Coleman-Liau Index
12
SMOG Index
3.3
Automated Readability Index
4.1
Dale-Chall Readability Score
8.1
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

George Gekas

Not at this time. We want to proceed with the hearing. Well, all right, Mr. Nadler, you may proceed?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.34
Somewhat Positive
Moderation
Harassment
0.0625106855
OpenAI Moderation v1 (007)
Violence
0.0439056806
OpenAI Moderation v1 (007)
Sexual
0.013789229
OpenAI Moderation v1 (007)
Harassment > Threatening
0.003726346
OpenAI Moderation v1 (007)
Violence > Graphic
0.0026770635
OpenAI Moderation v1 (007)
Self-Harm
0.0023143712
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010906613
OpenAI Moderation v1 (007)
Hate
0.0003126064
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001274062
OpenAI Moderation v1 (007)
Hate > Threatening
4.85541E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.7103E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.5
Flesch-Kincaid Ease
99.6
Gunning-Fog Score
1.9
Coleman-Liau Index
7.4
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
3.6
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

Jerry Nadler

Thank you. I appreciate hearing these sentiments. I want to pick up on one thing the gentleman from Massachusetts said and ask the chairman if he would join me in something. The CBO has sent me a letter dated a few days ago in response to our request of 14 months ago that their study will be completed by the end of March after these hearings will be completed. We have asked if they could make available to the committee as a witness for next week's hearings, the expert on their staff who has been doing all the work. And they have said that they didn't think so.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.63636
Very Positive
Harvard-IV (Absolute)
0.63636
Very Positive
Harvard-IV (Logit)
1.335
VADER
0.772
Very Positive
Moderation
Violence
0.0030775773
OpenAI Moderation v1 (007)
Harassment
0.0030669711
OpenAI Moderation v1 (007)
Hate
0.0014337735
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013218121
OpenAI Moderation v1 (007)
Sexual
0.0011695356
OpenAI Moderation v1 (007)
Harassment > Threatening
7.57496E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.82705E-5
OpenAI Moderation v1 (007)
Self-Harm
3.2515E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.53E-7
OpenAI Moderation v1 (007)
Hate > Threatening
1.456E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.77E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.2
Flesch-Kincaid Ease
75.8
Gunning-Fog Score
10.5
Coleman-Liau Index
8.6
SMOG Index
10.6
Automated Readability Index
7.1
Dale-Chall Readability Score
3.5
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
20

Jerry Nadler

Frankly, my suspicion is someone doesn't want that information before the committee. I don't know who that is, not necessarily anyone on the committee. So I would ask the chairman if he would join me in requesting the CBO to allow its own person who is writing that report, who is largely, according to them, has completed it, to appear as a witness before our committee next week?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.106
Leans Positive
Moderation
Violence > Graphic
0.002439928
OpenAI Moderation v1 (007)
Violence
0.0022030565
OpenAI Moderation v1 (007)
Sexual
0.000932793
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003252437
OpenAI Moderation v1 (007)
Harassment
0.0002191693
OpenAI Moderation v1 (007)
Sexual > Minors
8.38894E-5
OpenAI Moderation v1 (007)
Hate
8.30073E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.10781E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.8792E-6
OpenAI Moderation v1 (007)
Self-Harm
8.1754E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.566E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
54.4
Gunning-Fog Score
15.5
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
4.4
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
17

George Gekas

I have no objection to your calling any witness that you want. And I will join with you --
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.077
Neutral
Moderation
Violence
0.0082674364
OpenAI Moderation v1 (007)
Violence > Graphic
0.0071843133
OpenAI Moderation v1 (007)
Sexual
0.0031864482
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0020840747
OpenAI Moderation v1 (007)
Harassment
0.0006508474
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003263542
OpenAI Moderation v1 (007)
Hate
5.91913E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.34637E-5
OpenAI Moderation v1 (007)
Self-Harm
3.8182E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.51027E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.3403E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3
Flesch-Kincaid Ease
89.6
Gunning-Fog Score
5.8
Coleman-Liau Index
6.7
SMOG Index
7.3
Automated Readability Index
1.1
Dale-Chall Readability Score
2.2
Sprache Readability Score
2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3

Jerry Nadler

Thank you.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Violence
0.0574041856
OpenAI Moderation v1 (007)
Harassment
0.0262160087
OpenAI Moderation v1 (007)
Violence > Graphic
0.0056499495
OpenAI Moderation v1 (007)
Harassment > Threatening
0.004981524
OpenAI Moderation v1 (007)
Self-Harm
0.002712861
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014235254
OpenAI Moderation v1 (007)
Hate
0.0010921663
OpenAI Moderation v1 (007)
Sexual
0.000197204
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.46889E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.45656E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.059E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
0.8
Coleman-Liau Index
7.6
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.1
Sprache Readability Score
0.9
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

Jerry Nadler

Mr. Gekas [continuing]. On the CBO and also the Surgeon General if you like.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.361
Somewhat Positive
Moderation
Violence
0.1190739335
OpenAI Moderation v1 (007)
Violence > Graphic
0.0917715137
OpenAI Moderation v1 (007)
Harassment
0.026809916
OpenAI Moderation v1 (007)
Self-Harm
0.0174686342
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0057874629
OpenAI Moderation v1 (007)
Hate
0.0045606979
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016071999
OpenAI Moderation v1 (007)
Sexual
0.0011338699
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006399448
OpenAI Moderation v1 (007)
Sexual > Minors
9.74003E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.21466E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.3
Flesch-Kincaid Ease
78.8
Gunning-Fog Score
1.7
Coleman-Liau Index
5.9
SMOG Index
7.9
Automated Readability Index
0
Dale-Chall Readability Score
5.1
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5

Jerry Nadler

Well, I think that's a little far afield, but I appreciate the chairman's response.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.625
Very Positive
Moderation
Harassment
0.0214937725
OpenAI Moderation v1 (007)
Violence
0.0131052788
OpenAI Moderation v1 (007)
Hate
0.0073236675
OpenAI Moderation v1 (007)
Violence > Graphic
0.0066144741
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008293064
OpenAI Moderation v1 (007)
Self-Harm
0.0007771516
OpenAI Moderation v1 (007)
Sexual
0.0003607872
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.03993E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.19961E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.4694E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.9052E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
59.7
Gunning-Fog Score
11.3
Coleman-Liau Index
11.5
SMOG Index
11.3
Automated Readability Index
7.4
Dale-Chall Readability Score
5.2
Sprache Readability Score
2.7
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

William Delahunt

I would appreciate the Surgeon General, Mr. Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.402
Positive
Moderation
Harassment
0.0064684849
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018656228
OpenAI Moderation v1 (007)
Hate
0.0017181361
OpenAI Moderation v1 (007)
Violence
0.0008205011
OpenAI Moderation v1 (007)
Self-Harm
0.0007180322
OpenAI Moderation v1 (007)
Sexual
9.11562E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
5.63328E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.92521E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.81E-6
OpenAI Moderation v1 (007)
Sexual > Minors
4.38E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.673E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
33.6
Gunning-Fog Score
6.6
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
5.9
Dale-Chall Readability Score
8.1
Sprache Readability Score
1.6
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5

George Gekas

Me, too. Because my blood pressure is going up.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.296
Slightly Negative
Moderation
Violence
0.056876702
OpenAI Moderation v1 (007)
Harassment
0.027973688
OpenAI Moderation v1 (007)
Violence > Graphic
0.010724632
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0091239155
OpenAI Moderation v1 (007)
Hate
0.0021262831
OpenAI Moderation v1 (007)
Self-Harm
0.0007008422
OpenAI Moderation v1 (007)
Sexual
0.0002318125
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001846209
OpenAI Moderation v1 (007)
Sexual > Minors
4.32602E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.72157E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.07233E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.6
Flesch-Kincaid Ease
98.9
Gunning-Fog Score
1.8
Coleman-Liau Index
7.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
2
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
3

William Delahunt

Maybe he could cut out some of the fat.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
-0.273
Slightly Negative
Moderation
Violence > Graphic
0.0402453385
OpenAI Moderation v1 (007)
Violence
0.0202888841
OpenAI Moderation v1 (007)
Self-Harm
0.0088447618
OpenAI Moderation v1 (007)
Harassment
0.0068353933
OpenAI Moderation v1 (007)
Sexual
0.0040872314
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0035464953
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0024700283
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010209772
OpenAI Moderation v1 (007)
Hate
0.0010197598
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000173931
OpenAI Moderation v1 (007)
Hate > Threatening
4.21671E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1
Flesch-Kincaid Ease
100
Gunning-Fog Score
3.6
Coleman-Liau Index
3.8
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.4
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

George Gekas

In any event, we shall proceed with the opening statement of the gentleman from Ohio, Mr. Chabot?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Violence
0.0290920929
OpenAI Moderation v1 (007)
Harassment
0.0094615236
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0076739183
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014344424
OpenAI Moderation v1 (007)
Self-Harm
0.0003071369
OpenAI Moderation v1 (007)
Sexual
0.000205242
OpenAI Moderation v1 (007)
Hate
0.0001983466
OpenAI Moderation v1 (007)
Hate > Threatening
2.63651E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.45899E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.7486E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.835E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.2
Flesch-Kincaid Ease
58.9
Gunning-Fog Score
8.1
Coleman-Liau Index
10.8
SMOG Index
10.3
Automated Readability Index
4.2
Dale-Chall Readability Score
6.9
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8

Steve Chabot

Thank you, Mr. Chairman. My distinguished colleague from New York, he mentioned I think he said this was the most unbalanced and one-sided legislation that he had ever seen. I would take issue with that. I don't think that's accurate. I think it's good legislation. And I think it's interesting to note that there are 23 Democratic cosponsors to this legislation. I think if it was that one-sided, we wouldn't see that much support from Democrats on this bill.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.869
Very Positive
Moderation
Violence
0.0064825144
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055354158
OpenAI Moderation v1 (007)
Sexual
0.0018758577
OpenAI Moderation v1 (007)
Harassment
0.0010698162
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006416963
OpenAI Moderation v1 (007)
Self-Harm
0.000300674
OpenAI Moderation v1 (007)
Hate
0.0002219734
OpenAI Moderation v1 (007)
Sexual > Minors
3.46107E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.21287E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.3153E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.647E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.8
Flesch-Kincaid Ease
78.5
Gunning-Fog Score
8
Coleman-Liau Index
10.5
SMOG Index
9.7
Automated Readability Index
4.7
Dale-Chall Readability Score
4
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
18

Steve Chabot

I would agree with Chairman Gekas that it's vital that we work together in a bipartisan and bicameral manner to move this legislation forward as expeditiously as possible.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.572
Very Positive
Moderation
Violence > Graphic
0.0091949514
OpenAI Moderation v1 (007)
Violence
0.008316301
OpenAI Moderation v1 (007)
Harassment
0.0079036079
OpenAI Moderation v1 (007)
Hate
0.0026342137
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021946918
OpenAI Moderation v1 (007)
Self-Harm
0.001550808
OpenAI Moderation v1 (007)
Sexual
0.0008460387
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004404295
OpenAI Moderation v1 (007)
Sexual > Minors
9.33508E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.11251E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.55376E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
21.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
11

Steve Chabot

This reform legislation will protect consumers and businesses from irresponsible debtors who are capable of paying their debts, but choose to hide behind bankruptcy protection instead. In particular, this legislation would re-establish the link between a debtor's ability to pay and the availability of a legal remedy to discharge debt through bankruptcy. Under the need-based reforms, those that have the ability to pay back either $5,000 or 25 percent of their debts will be required to file under chapter 13 and work out a repayment plan.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.3
Slightly Positive
Harvard-IV (Absolute)
0.3
Slightly Positive
Harvard-IV (Logit)
0.58779
VADER
0.202
Slightly Positive
Moderation
Harassment
0.0096495809
OpenAI Moderation v1 (007)
Violence > Graphic
0.0044547312
OpenAI Moderation v1 (007)
Hate
0.0037745605
OpenAI Moderation v1 (007)
Violence
0.0036485984
OpenAI Moderation v1 (007)
Sexual
0.00200086
OpenAI Moderation v1 (007)
Self-Harm
0.0007694305
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002096884
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001818214
OpenAI Moderation v1 (007)
Sexual > Minors
3.72846E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.08749E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.155E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
28

Steve Chabot

There are, of course, some people who truly have a legitimate need for bankruptcy. At times, hard-working families may face a serious family illness, a disability, unemployment or the loss of a spouse which may necessitate the need for bankruptcy protection. Too frequently, however, people who have the financial ability or earnings potential to repay their debts are seeking an easy way out as a growing number of financially secure individuals attempt to use chapter 7 bankruptcy as a way simply to walk away from their debts. While this may prove convenient for the debtor, it's not fair to their friends and their neighbors who ultimately are stuck with the bill.
Sentiment
Loughran McDonald (Relative)
-0.75
Very Negative
Loughran McDonald (Absolute)
-0.75
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.21131
VADER
0.615
Very Positive
Moderation
Harassment
0.0133246212
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0027505457
OpenAI Moderation v1 (007)
Violence
0.0021223022
OpenAI Moderation v1 (007)
Hate
0.0012784158
OpenAI Moderation v1 (007)
Sexual
0.0010937017
OpenAI Moderation v1 (007)
Violence > Graphic
0.0002735589
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.61743E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.13003E-5
OpenAI Moderation v1 (007)
Self-Harm
1.24967E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.9033E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.426E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41.7
Gunning-Fog Score
18.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
34

Steve Chabot

Consumer bankruptcies have a dramatic impact on businesses and consumers, reducing the availability of credit, and increasing the price of goods and services in this Nation. For example, it is estimated that the consumer bankruptcies in 1997 alone wiped out about $40 billion in consumer loans costing every American household, we used to say $400, we now come to find out it's $550 per family. That's essentially a hidden bad debt tax on every single American family. That's money that American families could use for a vacation, to go toward education, or their children's clothing or a movie or whatever. But that's money that we take away from American families right now and I think that's wrong.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.06667
Neutral
Harvard-IV (Absolute)
0.06667
Neutral
Harvard-IV (Logit)
0.12516
VADER
-0.818
Very Negative
Moderation
Violence > Graphic
0.0969885034
OpenAI Moderation v1 (007)
Violence
0.0650581205
OpenAI Moderation v1 (007)
Harassment
0.0300438114
OpenAI Moderation v1 (007)
Self-Harm
0.0288529962
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0110093664
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0031124258
OpenAI Moderation v1 (007)
Sexual
0.0022908076
OpenAI Moderation v1 (007)
Hate
0.0004433187
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002237449
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.63207E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.5736E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.2
Gunning-Fog Score
17.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
33

Steve Chabot

Nationally, consumer bankruptcies reached a record $1.4 million back in 1997 and it's projected that they'll go even higher this year. What makes these numbers particularly alarming is the fact that this trend began back in 1994 during a time of solid economic growth, low inflation, and low unemployment. The primary culprit for this dramatic increase is a system I believe that allows consumers to evade personal responsibility for their debts too easily. Our current bankruptcy system allows many who can't afford to pay a significant portion of their bills to walk away essentially scot-free.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.06667
Neutral
Harvard-IV (Absolute)
0.06667
Neutral
Harvard-IV (Logit)
0.12516
VADER
0.014
Neutral
Moderation
Harassment
0.0227290511
OpenAI Moderation v1 (007)
Violence > Graphic
0.0224661271
OpenAI Moderation v1 (007)
Violence
0.0170436528
OpenAI Moderation v1 (007)
Hate
0.0066377521
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024135064
OpenAI Moderation v1 (007)
Self-Harm
0.0008514554
OpenAI Moderation v1 (007)
Sexual
0.0006056602
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.7146E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.54849E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.1866E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.7073E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.6
Gunning-Fog Score
17.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
36

Steve Chabot

Mr. Chairman, I believe that your bill, H.R. 833, makes significant steps in closing this loophole. I also believe that the means-testing equation included in this bill will prove to be a fair one. Despite criticism, the means-test proposed actually protects low-income debtors, maintains flexibility to take an individual filer's needs into account, and respects judicial discretion in these matters.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.868
Very Positive
Moderation
Harassment
0.1187824062
OpenAI Moderation v1 (007)
Violence
0.0414933893
OpenAI Moderation v1 (007)
Hate
0.0167629725
OpenAI Moderation v1 (007)
Violence > Graphic
0.0149923726
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0132822897
OpenAI Moderation v1 (007)
Sexual
0.0009398257
OpenAI Moderation v1 (007)
Self-Harm
0.000333144
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002158615
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.51728E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.11291E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.1077E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
51.9
Gunning-Fog Score
10.5
Coleman-Liau Index
12
SMOG Index
10.6
Automated Readability Index
7.7
Dale-Chall Readability Score
5.5
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
25

Steve Chabot

I believe we should work closely with our colleagues to pass this legislation quickly so that we can finally give hard- working Americans protection from those who abuse the bankruptcy system and leave their fellow Americans holding the bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
-0.7
Very Negative
Moderation
Violence
0.0084080988
OpenAI Moderation v1 (007)
Violence > Graphic
0.0047400652
OpenAI Moderation v1 (007)
Sexual
0.0044572338
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0029684265
OpenAI Moderation v1 (007)
Harassment
0.0020525378
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002405281
OpenAI Moderation v1 (007)
Hate
0.0002321723
OpenAI Moderation v1 (007)
Self-Harm
0.0001209806
OpenAI Moderation v1 (007)
Hate > Threatening
8.63541E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.76025E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.3656E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
28.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14

Steve Chabot

I yield back the balance of my time.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Sexual
0.0246401236
OpenAI Moderation v1 (007)
Violence
0.0069092108
OpenAI Moderation v1 (007)
Violence > Graphic
0.0034851499
OpenAI Moderation v1 (007)
Harassment
0.0032251271
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012387185
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004689975
OpenAI Moderation v1 (007)
Self-Harm
0.0001715652
OpenAI Moderation v1 (007)
Hate
6.50333E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.44715E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.54045E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.52797E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.8
Flesch-Kincaid Ease
100
Gunning-Fog Score
3.2
Coleman-Liau Index
4.8
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.3
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

Note

[The prepared statement of Mr. Chabot follows:] Prepared Statement of Hon. Steve Chabot, a Representative in Congress from the State of Ohio
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Sexual
0.036335981
OpenAI Moderation v1 (007)
Violence > Graphic
0.0215650041
OpenAI Moderation v1 (007)
Violence
0.0051945928
OpenAI Moderation v1 (007)
Harassment
0.0025848614
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006958049
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006012174
OpenAI Moderation v1 (007)
Self-Harm
0.0003704034
OpenAI Moderation v1 (007)
Hate
0.0002124703
OpenAI Moderation v1 (007)
Hate > Threatening
2.81657E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.6419E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.05E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
58.2
Gunning-Fog Score
3
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
6.2
Dale-Chall Readability Score
8.8
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9

Steve Chabot

Let me just take this time to welcome the esteemed members of the Senate who have joined us today to discuss this important legislation.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.71
Very Positive
Moderation
Harassment
0.0079531208
OpenAI Moderation v1 (007)
Hate
0.0045034289
OpenAI Moderation v1 (007)
Violence
0.0036730955
OpenAI Moderation v1 (007)
Sexual
0.0023929213
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012050433
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001201018
OpenAI Moderation v1 (007)
Harassment > Threatening
6.15412E-5
OpenAI Moderation v1 (007)
Self-Harm
2.17408E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.092E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.726E-7
OpenAI Moderation v1 (007)
Hate > Threatening
5.454E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
59.1
Gunning-Fog Score
12.9
Coleman-Liau Index
11.7
SMOG Index
11.3
Automated Readability Index
12
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
7

Steve Chabot

I agree with the Subcommittee Chairman, Mr. Gekas, that it is vital that work together in a bipartisan and bicameral manner to move this legislation forward expeditiously.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.572
Very Positive
Moderation
Violence > Graphic
0.008724213
OpenAI Moderation v1 (007)
Violence
0.0013521489
OpenAI Moderation v1 (007)
Sexual
0.001106637
OpenAI Moderation v1 (007)
Self-Harm
0.0005201207
OpenAI Moderation v1 (007)
Harassment
0.000247839
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.65135E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.77154E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
3.20437E-5
OpenAI Moderation v1 (007)
Hate
2.71071E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.3108E-6
OpenAI Moderation v1 (007)
Hate > Threatening
6.627E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
30.2
Gunning-Fog Score
12.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.9
Dale-Chall Readability Score
6.5
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
12

Steve Chabot

This reform legislation will protect consumers and businesses from irresponsible debtors who are capable of paying their debts, but choose to hide behind bankruptcy protection instead. In particular, this legislation would reestablish the link between a debtor's ability to pay and the availability of a legal remedy to discharge debt through bankruptcy. Under the "needs-based" reforms, those who have the ability to pay back either $5,000 or 25% of their debts will be required to file under Chapter 13 and work out a repayment plan.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.3
Slightly Positive
Harvard-IV (Absolute)
0.3
Slightly Positive
Harvard-IV (Logit)
0.58779
VADER
0.202
Slightly Positive
Moderation
Violence > Graphic
0.0299179897
OpenAI Moderation v1 (007)
Violence
0.0287041214
OpenAI Moderation v1 (007)
Sexual
0.0098308788
OpenAI Moderation v1 (007)
Sexual > Minors
0.0047686553
OpenAI Moderation v1 (007)
Harassment
0.0043787455
OpenAI Moderation v1 (007)
Hate
0.0024291783
OpenAI Moderation v1 (007)
Self-Harm
0.0004005568
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000213861
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001108512
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.89826E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.37412E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
26

Steve Chabot

There are, of course, some people who truly have a legitimate need to declare bankruptcy. At times, hardworking families may face a serious family illness, disability, unemployment, or the loss of a spouse, which may necessitate the need to seek protection. Too frequently, however, people who have the financial ability or earnings potential to repay their debts are seeking an easy way out, as a growing number of financially secure individuals are attempting to use Chapter 7 bankruptcy as a way to simply walk away from their debts. While this may prove convenient for the debtor, it is not fair to their friends and neighbors who ultimately stuck with bill.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
-0.05882
Neutral
Harvard-IV (Absolute)
-0.05882
Neutral
Harvard-IV (Logit)
-0.11123
VADER
0.615
Very Positive
Moderation
Violence
0.0547996431
OpenAI Moderation v1 (007)
Violence > Graphic
0.0483102282
OpenAI Moderation v1 (007)
Harassment
0.010042535
OpenAI Moderation v1 (007)
Sexual
0.0030713265
OpenAI Moderation v1 (007)
Sexual > Minors
0.0027981148
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019418792
OpenAI Moderation v1 (007)
Hate
0.0017866474
OpenAI Moderation v1 (007)
Self-Harm
0.0001923463
OpenAI Moderation v1 (007)
Hate > Threatening
9.90354E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.55568E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.49749E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.5
Gunning-Fog Score
18.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
36

Steve Chabot

Consumer bankruptcies have a dramatic impact on businesses and consumers -- reducing the availability of credit and increasing the price of goods and services. For example, it is estimated that consumer bankruptcies in 1997 wiped out over $40 billion in consumer loans, costing every American household $400. That's a hidden "bad debt" tax on every single American family.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.95551
VADER
-0.527
Very Negative
Moderation
Violence
0.0081997867
OpenAI Moderation v1 (007)
Hate
0.0037352369
OpenAI Moderation v1 (007)
Violence > Graphic
0.0026264852
OpenAI Moderation v1 (007)
Sexual
0.0020616304
OpenAI Moderation v1 (007)
Harassment
0.0014130928
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001390345
OpenAI Moderation v1 (007)
Harassment > Threatening
4.46797E-5
OpenAI Moderation v1 (007)
Self-Harm
3.13131E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.0895E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.853E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.78E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
27.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
23

Steve Chabot

Nationally, consumer bankruptcies reached a record 1.4 million in 1997 and are projected to be even higher in 1999. What makes these numbers particularly alarming is the fact that this trend began in 1994, during a time of solid economic growth, low inflation and low unemployment.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
-0.505
Very Negative
Moderation
Violence
0.0156566646
OpenAI Moderation v1 (007)
Violence > Graphic
0.0109229193
OpenAI Moderation v1 (007)
Sexual
0.0099215722
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005353925
OpenAI Moderation v1 (007)
Harassment
0.0003731853
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002994961
OpenAI Moderation v1 (007)
Self-Harm
8.98458E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.3761E-5
OpenAI Moderation v1 (007)
Hate
1.37473E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.4185E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.0746E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47.4
Gunning-Fog Score
17
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
16

Steve Chabot

The primary culprit for this dramatic increase is a system that allows consumers to evade personal responsibility for their debts too easily. Our current bankruptcy system allows many who can afford to pay a significant portion of their bills to walk away debt free.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.557
Very Positive
Moderation
Violence > Graphic
0.0335063465
OpenAI Moderation v1 (007)
Violence
0.0077976401
OpenAI Moderation v1 (007)
Sexual
0.0038087339
OpenAI Moderation v1 (007)
Harassment
0.000756082
OpenAI Moderation v1 (007)
Self-Harm
0.0007505524
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001916843
OpenAI Moderation v1 (007)
Hate
9.56473E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
8.57645E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.44483E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.45386E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.7031E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.4
Gunning-Fog Score
16.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
19

Steve Chabot

Mr. Chairman, I believe that your bill, H.R. 833, makes significant steps in closing this loophole. I also believe that the "means testing" equation included in this bill will prove to be a fair one. Despite criticism, the "means test", proposed actually protects low income debtors, maintains flexibility to take an individual filer's needs into account, and respects judicial discretion in these matters.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.825
Very Positive
Moderation
Violence
0.0247515185
OpenAI Moderation v1 (007)
Harassment
0.0097905307
OpenAI Moderation v1 (007)
Violence > Graphic
0.0085137188
OpenAI Moderation v1 (007)
Self-Harm
0.0026116117
OpenAI Moderation v1 (007)
Hate
0.0019346924
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003932475
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001863944
OpenAI Moderation v1 (007)
Sexual
9.20497E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.75665E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.65278E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.6544E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
51.9
Gunning-Fog Score
10.5
Coleman-Liau Index
12
SMOG Index
10.6
Automated Readability Index
7.7
Dale-Chall Readability Score
5.5
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
25

Steve Chabot

I believe we should work closely with our colleagues in the Senate to pass this legislation quickly so that we can finally give hard- working Americans protection from those who abuse the bankruptcy system, and leave them holding the bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
-0.7
Very Negative
Moderation
Harassment
0.0329065457
OpenAI Moderation v1 (007)
Violence
0.0282157765
OpenAI Moderation v1 (007)
Violence > Graphic
0.0193406522
OpenAI Moderation v1 (007)
Self-Harm
0.0126361614
OpenAI Moderation v1 (007)
Hate
0.0047115023
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0030048775
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014859241
OpenAI Moderation v1 (007)
Sexual
0.0004169904
OpenAI Moderation v1 (007)
Sexual > Minors
9.05839E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.88447E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.94153E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
15

George Gekas

We thank the gentleman for the opening statement. We acknowledge the presence now of a fighter in the world of bankruptcy reform, the Congressman from Virginia, Mr. Moran, who wants to make a brief opening statement I think.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.95551
VADER
0.477
Positive
Moderation
Harassment
0.7060648408
OpenAI Moderation v1 (007)
Hate
0.0903325446
OpenAI Moderation v1 (007)
Violence
0.0298229308
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035760622
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017038003
OpenAI Moderation v1 (007)
Self-Harm
0.0003890154
OpenAI Moderation v1 (007)
Sexual
5.85508E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.81308E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.36163E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.5897E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.1486E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.7
Flesch-Kincaid Ease
62.6
Gunning-Fog Score
10.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.3
Dale-Chall Readability Score
6.4
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13

James P. Moran

Thank you, Mr. Chairman. We're marking a supplemental appropriations bill, but I felt it was important to have at least some Democratic presence in favor of this bill because I believe it is a balanced bipartisan bill. We have a system that is out of control now. We ought not have 1.4 million bankruptcies. We should not have such an escalating trend under chapter 7 where you wipe out your debts instead of working them out.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.758
Very Positive
Moderation
Violence > Graphic
0.0953950686
OpenAI Moderation v1 (007)
Violence
0.0816016574
OpenAI Moderation v1 (007)
Harassment
0.0336332567
OpenAI Moderation v1 (007)
Hate
0.0134862697
OpenAI Moderation v1 (007)
Self-Harm
0.0101636913
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0070529757
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0042518535
OpenAI Moderation v1 (007)
Sexual > Minors
0.000531705
OpenAI Moderation v1 (007)
Sexual
0.0003059681
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001578504
OpenAI Moderation v1 (007)
Hate > Threatening
1.18979E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.3
Flesch-Kincaid Ease
72.6
Gunning-Fog Score
8.8
Coleman-Liau Index
10.4
SMOG Index
9.9
Automated Readability Index
5.9
Dale-Chall Readability Score
4.2
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
23

James P. Moran

And the fact is that people like the chairman and Congressman Boucher, a Democrat, another Democrat from Virginia, and Mr. McCollum have been working on this for many years. But each year that we don't pass it, the situation gets worse. I know you've heard the statistics but it just is not fair for every household to be paying about $400 a year to meet the bad debts incurred by other people who, in fact, are using the system. And we estimate that for everybody that uses bankruptcy as a financial management tool, if you will, as a convenience to wipe out their debts, it costs about 15 other families to be able to make up that cost. Families who would never think of reneging on their debts.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.06667
Neutral
Harvard-IV (Absolute)
0.06667
Neutral
Harvard-IV (Logit)
0.12516
VADER
-0.766
Very Negative
Moderation
Violence
0.0317916769
OpenAI Moderation v1 (007)
Violence > Graphic
0.0172730419
OpenAI Moderation v1 (007)
Harassment
0.0052721705
OpenAI Moderation v1 (007)
Self-Harm
0.003699923
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0035376659
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012466478
OpenAI Moderation v1 (007)
Sexual
0.0004190015
OpenAI Moderation v1 (007)
Hate
0.0002634305
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001830457
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001386372
OpenAI Moderation v1 (007)
Hate > Threatening
1.01337E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.8
Flesch-Kincaid Ease
62.9
Gunning-Fog Score
13.2
Coleman-Liau Index
9.4
SMOG Index
12
Automated Readability Index
9.4
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
29

James P. Moran

So that's not the kind of system that we can be proud of nor can we accept as being sanctioned by Federal law. Fifteen responsible borrowers are more important than the person who is using the system which is occurring today.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.718
Very Positive
Moderation
Violence
0.0451097701
OpenAI Moderation v1 (007)
Violence > Graphic
0.0122185418
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0044415727
OpenAI Moderation v1 (007)
Self-Harm
0.0032173491
OpenAI Moderation v1 (007)
Harassment
0.0030830324
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.001596193
OpenAI Moderation v1 (007)
Hate
0.0005865481
OpenAI Moderation v1 (007)
Sexual
0.0004721767
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001531747
OpenAI Moderation v1 (007)
Hate > Threatening
6.55632E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.10394E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
58.1
Gunning-Fog Score
12.1
Coleman-Liau Index
10.3
SMOG Index
12
Automated Readability Index
9.7
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
12

James P. Moran

We've got lots of provisions here. It is need-based. If you're a family of four with income of $51,000, you can choose what you want to do, clearly. And most, if they are having financial problems, they'll choose chapter 7. We're going after people who can clearly afford to pay off their debts. We've added more provisions that makes it an even more palatable bill for those who want to look out for the rights of consumers.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
0.697
Very Positive
Moderation
Violence
0.0297790626
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0166363985
OpenAI Moderation v1 (007)
Harassment
0.0069170041
OpenAI Moderation v1 (007)
Violence > Graphic
0.003020371
OpenAI Moderation v1 (007)
Self-Harm
0.0013837806
OpenAI Moderation v1 (007)
Hate
0.0007748419
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002630527
OpenAI Moderation v1 (007)
Sexual
4.73196E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.24471E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.54031E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.4734E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.6
Flesch-Kincaid Ease
85.3
Gunning-Fog Score
8.3
Coleman-Liau Index
8.4
SMOG Index
9
Automated Readability Index
4.5
Dale-Chall Readability Score
3.3
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
19

James P. Moran

This bill did pass overwhelmingly. It should pass with an even greater margin this year because a number of the provisions, for example, a lot more information available for debtors where we provide financial counseling for them, all kinds of different options for working out their debts. We've got a Debtor's Bill of Rights. And this is something that I think is important. People who think the principal problem is credit cards and, in fact, the statistics show that it really isn't because only 3.7 percent of consumer debt is accounted for by credit cards. But nevertheless, we require credit card companies to make it clear that if you only pay the minimum balance, then you could be paying for the rest of your life. They have to make it clear how long the debt will be sustained if you only pay the minimum balance. That's the kind of consumer information that is terribly important that I think is a very progressive addition to this bill. We also are going to make it very difficult for these bankruptcy mills to operate that prey upon people who are in desperate situations.
Sentiment
Loughran McDonald (Relative)
0.14286
Leans Positive
Loughran McDonald (Absolute)
0.14286
Leans Positive
Loughran McDonald (Logit)
0.25131
Harvard-IV (Relative)
0.47368
Positive
Harvard-IV (Absolute)
0.47368
Positive
Harvard-IV (Logit)
0.99853
VADER
-0.068
Neutral
Moderation
Violence
0.0194027889
OpenAI Moderation v1 (007)
Sexual
0.0042635631
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031901058
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0022824033
OpenAI Moderation v1 (007)
Harassment
0.000561302
OpenAI Moderation v1 (007)
Self-Harm
0.0003891401
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003251842
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003068658
OpenAI Moderation v1 (007)
Hate > Threatening
3.653E-5
OpenAI Moderation v1 (007)
Hate
2.02814E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.7236E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
57.2
Gunning-Fog Score
15
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
10.8
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
47
Sprache Difficult Word Count
45

James P. Moran

We got 300 votes on the House floor last October 9th. This is an even better bill from the standpoint of people are concerned about consumer's rights, rightfully so. So we've added even more. And it retains the discretion of bankruptcy judges. It protects low-income debtors. It takes into account the unique circumstances of individual debtors. It really only goes after people who are using the system. We ought to be going after them because it's not fair for 15 families who are paying off their debts to also have to pay off the debt of people who are not paying their debts, who are gaming the system today.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.44444
Positive
Harvard-IV (Absolute)
0.44444
Positive
Harvard-IV (Logit)
0.89794
VADER
0.231
Slightly Positive
Moderation
Sexual
0.024889817
OpenAI Moderation v1 (007)
Violence
0.0069656482
OpenAI Moderation v1 (007)
Violence > Graphic
0.0034975423
OpenAI Moderation v1 (007)
Harassment
0.0032719989
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012504976
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004730854
OpenAI Moderation v1 (007)
Self-Harm
0.0001727315
OpenAI Moderation v1 (007)
Hate
6.5434E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.47396E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.53665E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.52019E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.9
Flesch-Kincaid Ease
69.8
Gunning-Fog Score
8.8
Coleman-Liau Index
10.1
SMOG Index
9.7
Automated Readability Index
6.2
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
28

James P. Moran

So it's a good bill and it's bipartisan and it's balanced and it ought to pass this committee.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.49
Positive
Moderation
Violence
0.0586501497
OpenAI Moderation v1 (007)
Violence > Graphic
0.0186784862
OpenAI Moderation v1 (007)
Harassment
0.0144418969
OpenAI Moderation v1 (007)
Sexual
0.0060859165
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0039727747
OpenAI Moderation v1 (007)
Sexual > Minors
0.0019288618
OpenAI Moderation v1 (007)
Hate
0.0016096834
OpenAI Moderation v1 (007)
Self-Harm
0.0012589849
OpenAI Moderation v1 (007)
Hate > Threatening
7.61708E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.83608E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.9464E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.2
Flesch-Kincaid Ease
75.8
Gunning-Fog Score
11.6
Coleman-Liau Index
8.1
SMOG Index
11.3
Automated Readability Index
6.7
Dale-Chall Readability Score
4.4
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6

James P. Moran

Thank you, Mr. Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.0043414781
OpenAI Moderation v1 (007)
Violence
0.0040868807
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021732312
OpenAI Moderation v1 (007)
Sexual
0.0007994401
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006117502
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004516711
OpenAI Moderation v1 (007)
Hate
0.0003062749
OpenAI Moderation v1 (007)
Self-Harm
6.96444E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.51644E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.82E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.489E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
99.1
Gunning-Fog Score
0.8
Coleman-Liau Index
10.6
SMOG Index
3.3
Automated Readability Index
0.8
Dale-Chall Readability Score
8
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

George Gekas

We thank the gentleman for his commentary and to thank him for being one of the chief cosponsors, which provides the Chair with a segue into asking unanimous consent to permit the statements of Bill McCollum and Congressman Boucher, also original cosponsors of the legislation, to be entered into the record?
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.802
Very Positive
Moderation
Violence
0.0162523807
OpenAI Moderation v1 (007)
Harassment
0.0136203642
OpenAI Moderation v1 (007)
Violence > Graphic
0.0079320955
OpenAI Moderation v1 (007)
Sexual
0.0022234708
OpenAI Moderation v1 (007)
Hate
0.0015152683
OpenAI Moderation v1 (007)
Self-Harm
0.0002800888
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002123978
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001241013
OpenAI Moderation v1 (007)
Sexual > Minors
8.11623E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.77801E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.50589E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
12.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
19

Note

[The information referred to follows:] Prepared Statement of Hon. Bill McCollum, a Representative in Congress from the State of Florida
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.226
Slightly Positive
Moderation
Violence
0.0216999353
OpenAI Moderation v1 (007)
Violence > Graphic
0.0151224507
OpenAI Moderation v1 (007)
Harassment
0.0095451869
OpenAI Moderation v1 (007)
Hate
0.0074226926
OpenAI Moderation v1 (007)
Sexual
0.0038876351
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008157379
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003602956
OpenAI Moderation v1 (007)
Self-Harm
0.0003248788
OpenAI Moderation v1 (007)
Hate > Threatening
0.0003082511
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.40651E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.37039E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
52.6
Gunning-Fog Score
3
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
7.4
Dale-Chall Readability Score
7.7
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
9

George Gekas

I commend Chairman Gekas and Chairman Grassley for holding this joint hearing on the need for bankruptcy reform. Members from both sides of the aisle and both Houses of Congress have dedicated enormous time and energy to reforming the existing bankruptcy system. The Bankruptcy Reform Act of 1999, which has been introduced in the House, is the product of that effort.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
0.807
Very Positive
Moderation
Violence > Graphic
0.0111774629
OpenAI Moderation v1 (007)
Violence
0.0094930016
OpenAI Moderation v1 (007)
Harassment
0.0063422864
OpenAI Moderation v1 (007)
Sexual
0.0007019532
OpenAI Moderation v1 (007)
Hate
0.0001450719
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000144193
OpenAI Moderation v1 (007)
Self-Harm
5.80786E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.45964E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.1949E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.7369E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.979E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
55.8
Gunning-Fog Score
13.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.8
Dale-Chall Readability Score
7
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
21

George Gekas

The Bankruptcy Reform Act of 1999 clearly strikes a balance between House and Senate reform proposals. The legislation retains the needs- based test supported by the House but uses the Senate procedure to determine if someone should be in Chapter 13 rather than Chapter 7. The bill includes the most protective provisions in both House and Senate bills to safeguard support payments to women and children. There are expanded protections for retirement savings and education savings accounts. There are also new protections concerning reaffirmations and penalties against creditors who act improperly. In addition, the legislation includes new consumer protections regarding credit lending.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.47368
Positive
Harvard-IV (Absolute)
0.47368
Positive
Harvard-IV (Logit)
0.9694
VADER
0.902
Very Positive
Moderation
Harassment
0.0115832489
OpenAI Moderation v1 (007)
Sexual
0.0037989543
OpenAI Moderation v1 (007)
Violence
0.0034230863
OpenAI Moderation v1 (007)
Hate
0.0025113062
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020918462
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008833069
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005108572
OpenAI Moderation v1 (007)
Hate > Threatening
6.04718E-5
OpenAI Moderation v1 (007)
Self-Harm
4.12228E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.02847E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.7789E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37
Gunning-Fog Score
16.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
41
Sprache Difficult Word Count
39

George Gekas

The Bankruptcy Reform Act of 1999 is a well-balanced compromise which protects support payments to women and children, provides additional consumer protections, and restores increased personal responsibility to the bankruptcy system. Our nation's bankruptcy laws play an important and necessary role in our society but we must ensure that our bankruptcy system does not unintentionally encourage those who can take responsibility for their financial obligations not to do so. Such an abuse of our bankruptcy laws is fundamentally unfair to those who play by the rules and take responsibility for their personal obligations.
Sentiment
Loughran McDonald (Relative)
-0.77778
Very Negative
Loughran McDonald (Absolute)
-0.77778
Very Negative
Loughran McDonald (Logit)
-1.7346
Harvard-IV (Relative)
0.3913
Somewhat Positive
Harvard-IV (Absolute)
0.3913
Somewhat Positive
Harvard-IV (Logit)
0.78846
VADER
-0.285
Slightly Negative
Moderation
Violence
0.0068386071
OpenAI Moderation v1 (007)
Sexual
0.0041256324
OpenAI Moderation v1 (007)
Harassment
0.003176945
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005608275
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004776696
OpenAI Moderation v1 (007)
Hate
0.0004139131
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002945639
OpenAI Moderation v1 (007)
Self-Harm
7.96949E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.17997E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.3977E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.1684E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
28

George Gekas

Congress has a special responsibility to address this issue and to ensure that our bankruptcy laws operate fairly, efficiently and free of abuse. I am confident that this hearing will highlight the need for Congress to pass bankruptcy reform legislation and look forward to working with my colleagues towards that end. Prepared Statement of Hon. Rick Boucher, a Representative in Congress from the State of Virginia
Sentiment
Loughran McDonald (Relative)
-0.2
Slightly Negative
Loughran McDonald (Absolute)
-0.2
Slightly Negative
Loughran McDonald (Logit)
-0.33647
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.63599
VADER
0.912
Very Positive
Moderation
Violence
0.0012770473
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008221374
OpenAI Moderation v1 (007)
Harassment
0.0006147035
OpenAI Moderation v1 (007)
Sexual
0.0005890645
OpenAI Moderation v1 (007)
Self-Harm
0.0002512076
OpenAI Moderation v1 (007)
Hate
0.0001986021
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001430114
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001081495
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.0644E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.93E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.667E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.9
Flesch-Kincaid Ease
46.5
Gunning-Fog Score
11.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
7.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
29

George Gekas

Chairman Grassley and Chairman Gekas, thank you for the opportunity to appear before you and the Members of the Subcommittee on Commercial and Administrative Law of the House Judiciary Committee and the Subcommittee on Administrative Oversight and the Courts of the Senate Judiciary Committee.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0.649
Very Positive
Moderation
Harassment
0.020422494
OpenAI Moderation v1 (007)
Violence
0.0165009114
OpenAI Moderation v1 (007)
Sexual
0.0070391405
OpenAI Moderation v1 (007)
Hate
0.005177881
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031883417
OpenAI Moderation v1 (007)
Sexual > Minors
0.0016204385
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009200373
OpenAI Moderation v1 (007)
Self-Harm
0.0001981995
OpenAI Moderation v1 (007)
Hate > Threatening
3.7194E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.28917E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.21335E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
18.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
14

George Gekas

I was pleased to join in a bipartisan effort with Chairman Gekas and my friends and colleagues Rep. Bill McCollum and Rep. Jim Moran in introducing the Bankruptcy Reform Act of 1999. This legislation is intended to ensure that our bankruptcy laws operate fairly, efficiently and free of abuse. Our legislation is virtually identical to last year's conference report which garnered the support of 300 of our House colleagues. That report was the product of nearly two years of hearings, mark-ups, deliberation and compromise.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.58779
Harvard-IV (Relative)
0.57143
Very Positive
Harvard-IV (Absolute)
0.57143
Very Positive
Harvard-IV (Logit)
1.18958
VADER
0.923
Very Positive
Moderation
Harassment > Threatening
0.0653957657
OpenAI Moderation v1 (007)
Violence
0.0503916701
OpenAI Moderation v1 (007)
Harassment
0.0037836209
OpenAI Moderation v1 (007)
Sexual
0.0028587538
OpenAI Moderation v1 (007)
Violence > Graphic
0.0026085951
OpenAI Moderation v1 (007)
Hate
0.0006198053
OpenAI Moderation v1 (007)
Self-Harm
0.0005359054
OpenAI Moderation v1 (007)
Sexual > Minors
0.000490728
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001860263
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001343566
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.9652E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
51.1
Gunning-Fog Score
12.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.1
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
35

George Gekas

In an era where real per-capita annual disposable income is growing, unemployment rates are low and the economy is strong, bankruptcies should be rare. However, bankruptcy filings are increasing dramatically. In fact, in 1998, filings reached a record high of 1.4 million, with an estimated $50 billion in consumer debt discharged.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-2.3979
VADER
-0.273
Slightly Negative
Moderation
Violence
0.0458160619
OpenAI Moderation v1 (007)
Harassment
0.0259507127
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0044215158
OpenAI Moderation v1 (007)
Violence > Graphic
0.0044045686
OpenAI Moderation v1 (007)
Sexual
0.0040239367
OpenAI Moderation v1 (007)
Hate
0.0007858408
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005580792
OpenAI Moderation v1 (007)
Hate > Threatening
7.67719E-5
OpenAI Moderation v1 (007)
Self-Harm
5.87507E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.8456E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.2239E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.6
Gunning-Fog Score
18.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
7.2
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
24

George Gekas

Bankruptcies of convenience are driving this enormous increase. Bankruptcy was never meant to be used as a financial planning tool, but it is becoming a first stop rather than a last resort because our current bankruptcy system encourages people to walk away from their debts regardless of whether they have the ability to repay any portion of what they owe.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
0.612
Very Positive
Moderation
Violence > Graphic
0.0128363637
OpenAI Moderation v1 (007)
Violence
0.0120429642
OpenAI Moderation v1 (007)
Harassment
0.0022925407
OpenAI Moderation v1 (007)
Sexual
0.0021435542
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004261066
OpenAI Moderation v1 (007)
Hate
0.0002142513
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001639725
OpenAI Moderation v1 (007)
Self-Harm
0.000103634
OpenAI Moderation v1 (007)
Hate > Threatening
9.1068E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.6354E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.854E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
36.8
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
22

George Gekas

Responsible borrowers and the consumers of all goods and services pay the price for bankruptcies of mere convenience. The typical American family pays a hidden tax of $500 each year because of increased charges for credit and higher prices for goods and services attributed to bankruptcies of mere convenience.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.36772
VADER
0.542
Very Positive
Moderation
Violence
0.0030964093
OpenAI Moderation v1 (007)
Sexual
0.0014441466
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005514365
OpenAI Moderation v1 (007)
Harassment
0.0003831191
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001919069
OpenAI Moderation v1 (007)
Hate
0.000152236
OpenAI Moderation v1 (007)
Harassment > Threatening
7.47078E-5
OpenAI Moderation v1 (007)
Self-Harm
5.3797E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.2584E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.0533E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.164E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.2
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
17

George Gekas

Today's consumer bankruptcy system is fundamentally flawed. The current Bankruptcy Code makes virtually no attempt to calibrate the level of bankruptcy protection to the level of each debtor's need. Rather, it allows a debtor to discharge debts even if the debtor can repay a large portion of them. Currently, approximately 70 percent of bankruptcy filers use Chapter 7, which has no provision for debt repayment even if the filer can repay. Only 30 percent use Chapter 13, which sets up repayment plans. At present, individuals with significant income and the ability to repay some of their debts can obtain the same full discharge of debts as individuals with little or no income and assets.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.04348
Neutral
Harvard-IV (Absolute)
0.04348
Neutral
Harvard-IV (Logit)
0.08338
VADER
-0.729
Very Negative
Moderation
Sexual
0.0103681348
OpenAI Moderation v1 (007)
Violence
0.0027142532
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017422106
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006462538
OpenAI Moderation v1 (007)
Harassment
0.0005693235
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002013744
OpenAI Moderation v1 (007)
Self-Harm
8.03622E-5
OpenAI Moderation v1 (007)
Hate
2.61444E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.86742E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.3394E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.504E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.8
Flesch-Kincaid Ease
44.3
Gunning-Fog Score
14.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.2
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
35

George Gekas

Our legislation addresses this problem by requiring that a debtor demonstrate that he or she actually needs bankruptcy relief and, if so, provides only the amount of relief that is needed. This needs-based system would create a simple formula, based on a debtor's income and obligations, to determine exactly how much relief the debtor needs. Individuals with no means to repay their debts could file for bankruptcy under Chapter 7, thereby obtaining complete debt relief and a fresh start. Individuals who can repay a portion of their debts would file under Chapter 13 and begin a repayment plan based on what they can afford.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.13043
Leans Positive
Harvard-IV (Absolute)
0.13043
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
0.902
Very Positive
Moderation
Violence
0.0088077868
OpenAI Moderation v1 (007)
Harassment
0.0066378278
OpenAI Moderation v1 (007)
Hate
0.0043609933
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006146443
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004769017
OpenAI Moderation v1 (007)
Sexual
0.0004435297
OpenAI Moderation v1 (007)
Sexual > Minors
0.000158834
OpenAI Moderation v1 (007)
Hate > Threatening
6.80269E-5
OpenAI Moderation v1 (007)
Self-Harm
4.2133E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.3729E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.47E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
44
Gunning-Fog Score
16.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
38
Sprache Difficult Word Count
32

George Gekas

With this change in the Bankruptcy Code, the bankruptcy system would protect consumers in financial difficulty without unfairly imposing inappropriate additional costs and burdens on consumers who continue to pay their debts.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
-0.378
Somewhat Negative
Moderation
Violence > Graphic
0.0661531929
OpenAI Moderation v1 (007)
Harassment
0.0302788889
OpenAI Moderation v1 (007)
Self-Harm
0.013111491
OpenAI Moderation v1 (007)
Violence
0.0076073527
OpenAI Moderation v1 (007)
Hate
0.0026817908
OpenAI Moderation v1 (007)
Sexual
0.0008182983
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000609861
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003551183
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001913701
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001859828
OpenAI Moderation v1 (007)
Hate > Threatening
3.4094E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
10.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
13

George Gekas

All consumers should benefit from this legislation -- every consumer pays higher prices for goods and services and higher interest rates as a result of bankruptcy losses. Enactment of the "Bankruptcy Reform Act of 1999" will reduce the level of those bankruptcy losses, thereby reducing the cost of credit and goods and services for all consumers.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.63599
VADER
0.494
Positive
Moderation
Harassment
0.026218858
OpenAI Moderation v1 (007)
Violence > Graphic
0.0155876798
OpenAI Moderation v1 (007)
Violence
0.0110123794
OpenAI Moderation v1 (007)
Hate
0.0032531098
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0022977018
OpenAI Moderation v1 (007)
Self-Harm
0.0021426775
OpenAI Moderation v1 (007)
Sexual
0.0001872703
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001067851
OpenAI Moderation v1 (007)
Sexual > Minors
1.6287E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.56358E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.8937E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
19

George Gekas

I am pleased to be a sponsor of this legislation and look forward to working with each of you to ensure its passage.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.671
Very Positive
Moderation
Violence
0.0238667737
OpenAI Moderation v1 (007)
Violence > Graphic
0.0194267792
OpenAI Moderation v1 (007)
Hate
0.0193189408
OpenAI Moderation v1 (007)
Harassment
0.0164762576
OpenAI Moderation v1 (007)
Sexual
0.0015143843
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004403132
OpenAI Moderation v1 (007)
Self-Harm
0.0004097012
OpenAI Moderation v1 (007)
Sexual > Minors
2.62733E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.9636E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.3466E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.0469E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.8
Flesch-Kincaid Ease
65.8
Gunning-Fog Score
10.9
Coleman-Liau Index
8
SMOG Index
9
Automated Readability Index
9.1
Dale-Chall Readability Score
5.3
Sprache Readability Score
4
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
7

James P. Moran

Thank you, Mr. Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Harassment
0.0197582864
OpenAI Moderation v1 (007)
Violence
0.0134105721
OpenAI Moderation v1 (007)
Violence > Graphic
0.0103022998
OpenAI Moderation v1 (007)
Self-Harm
0.0009775975
OpenAI Moderation v1 (007)
Hate
0.0003985297
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003686604
OpenAI Moderation v1 (007)
Sexual
0.0003388921
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002621306
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.6131E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.8135E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.382E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
99.1
Gunning-Fog Score
0.8
Coleman-Liau Index
10.6
SMOG Index
3.3
Automated Readability Index
0.8
Dale-Chall Readability Score
8
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2

George Gekas

Thank you. Now we are poised to hear the first panel. And we invite to the witness table Dean Sheaffer. Mr. Sheaffer is vice president and director of credit at Boscov's Department Stores, Inc., a regional department store chain, located primarily in New York, New Jersey, Maryland, Delaware, and Pennsylvania. In addition to his responsibilities with Boscov's, Mr. Sheaffer is vice chair of the Pennsylvania Retailer's Association and vice president of Pennsylvania's first statewide economic development corporation, Grow Pennsylvania Capital.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.94444
VADER
0.772
Very Positive
Moderation
Harassment
0.4180838354
OpenAI Moderation v1 (007)
Violence
0.172971643
OpenAI Moderation v1 (007)
Hate
0.0241160116
OpenAI Moderation v1 (007)
Violence > Graphic
0.0206752797
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0076030738
OpenAI Moderation v1 (007)
Self-Harm
0.0051107174
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0043113101
OpenAI Moderation v1 (007)
Sexual
0.0007079655
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002660461
OpenAI Moderation v1 (007)
Sexual > Minors
0.000245652
OpenAI Moderation v1 (007)
Hate > Threatening
4.66537E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
35.9
Gunning-Fog Score
9.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.8
Dale-Chall Readability Score
8.4
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
40
Sprache Difficult Word Count
32

George Gekas

He is testifying here today on behalf of the National Retail Federation, which is the world's largest retail trade association with a membership representing every facet of the retail industry. The Federation represents an industry that encompasses 1.4 million American retail establishments, which in turn employ more than 20 million individuals across our Nation.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0
Neutral
Moderation
Harassment
0.007992184
OpenAI Moderation v1 (007)
Violence
0.0034911609
OpenAI Moderation v1 (007)
Violence > Graphic
0.0033215241
OpenAI Moderation v1 (007)
Self-Harm
0.0013662528
OpenAI Moderation v1 (007)
Hate
0.0007819982
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007378796
OpenAI Moderation v1 (007)
Sexual
0.0005427734
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003988457
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.8429E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.02473E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.2291E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
14.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
22

George Gekas

He is joined at the table by Bruce Hammonds, who has 29 years of experience in consumer lending. His current responsibilities include overseeing MBNA credit loss prevention and consumer finance and technology services. A graduate of the University of Baltimore, Mr. Hammonds is a director of the Delaware State Chamber of Commerce, the Delaware Housing Partnership, and the Delaware Business Roundtable. He also serves on the board of trustees of Goldey Beacom College and is a member of the College of Business and Economics Visiting Committee at the University of Delaware.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.4
Somewhat Positive
Harvard-IV (Absolute)
0.4
Somewhat Positive
Harvard-IV (Logit)
0.76214
VADER
0.153
Leans Positive
Moderation
Harassment
0.031654464
OpenAI Moderation v1 (007)
Violence
0.0094407689
OpenAI Moderation v1 (007)
Violence > Graphic
0.0087428351
OpenAI Moderation v1 (007)
Hate
0.0017902496
OpenAI Moderation v1 (007)
Self-Harm
0.0015705868
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000509035
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004756299
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003416335
OpenAI Moderation v1 (007)
Sexual
7.96266E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.52577E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.5086E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35
Gunning-Fog Score
11.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
39

George Gekas

MBNA America Bank, N.A. is the largest independent credit card lender in the world and one of the two largest credit card lenders overall. It has more than 20,000 employees in 28 offices located in the United States, Canada, and the United Kingdom. MBNA and its subsidiaries have $60 billion in managed loans outstanding.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.93
Very Positive
Moderation
Harassment
0.1547321677
OpenAI Moderation v1 (007)
Violence
0.0223374183
OpenAI Moderation v1 (007)
Violence > Graphic
0.0195202869
OpenAI Moderation v1 (007)
Self-Harm
0.0149492189
OpenAI Moderation v1 (007)
Hate
0.0094697563
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0050285511
OpenAI Moderation v1 (007)
Sexual
0.002153654
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017650498
OpenAI Moderation v1 (007)
Sexual > Minors
0.0017302842
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0007301425
OpenAI Moderation v1 (007)
Hate > Threatening
4.56677E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.3
Flesch-Kincaid Ease
62.5
Gunning-Fog Score
10.2
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
5.1
Dale-Chall Readability Score
5.9
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
19

George Gekas

With them at the table is the Honorable Carol J. Kenner, United States bankruptcy judge, District of Massachusetts. Judge Kenner was appointed a bankruptcy judge for the District of Massachusetts in 1986 and served as chief judge from 1994 through 1996. She also has served on the Bankruptcy Appellate Panel for the First Circuit since 1996. Prior to her appointment to the bench, Judge Kenner practiced exclusively in the areas of corporate reorganization and bankruptcy law in private firms in Boston and New York City. Judge Kenner obtained her Juris doctor degree magna cum laude from the New England School of Law in 1977.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.58779
Harvard-IV (Relative)
-0.07692
Neutral
Harvard-IV (Absolute)
-0.07692
Neutral
Harvard-IV (Logit)
-0.1431
VADER
0.743
Very Positive
Moderation
Violence
0.0409911008
OpenAI Moderation v1 (007)
Violence > Graphic
0.0407405518
OpenAI Moderation v1 (007)
Harassment
0.0398083823
OpenAI Moderation v1 (007)
Self-Harm
0.0063372681
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0060259837
OpenAI Moderation v1 (007)
Hate
0.0036303492
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0034683733
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0031700933
OpenAI Moderation v1 (007)
Sexual
0.0005681362
OpenAI Moderation v1 (007)
Sexual > Minors
5.51902E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.3416E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9
Flesch-Kincaid Ease
61.5
Gunning-Fog Score
10
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.7
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
39
Sprache Difficult Word Count
34

George Gekas

To the left of the judge is Larry Nuss, the manager and CEO of the Cedar Falls Community Credit Union since 1979. Cedar Falls Community Credit Union is an employee-based credit union, which currently serves 83,000 members. Prior to his assuming his responsibilities with Cedar Falls, Mr. Nuss was employed as a collection manager for Rath Employees Credit Union from 1976 to 1979. Since 1981, Mr. Nuss has served as the director for the Iowa Credit Union League. And in addition, currently is vice chairman of that League.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.43508
VADER
0.9
Very Positive
Moderation
Violence
0.0064297594
OpenAI Moderation v1 (007)
Violence > Graphic
0.002991522
OpenAI Moderation v1 (007)
Harassment
0.0019280875
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009276663
OpenAI Moderation v1 (007)
Sexual
0.0005029937
OpenAI Moderation v1 (007)
Hate
0.000454924
OpenAI Moderation v1 (007)
Self-Harm
0.000330513
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002243759
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.01664E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.582E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.06579E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
60.3
Gunning-Fog Score
10
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
5.9
Dale-Chall Readability Score
8
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
28

George Gekas

Mr. Nuss is appearing today on behalf of the Credit Union National Association, an organization that represents more than 11,000 State and Federal credit unions nationwide.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.637
Very Positive
Moderation
Sexual
0.0212818137
OpenAI Moderation v1 (007)
Violence
0.0012596082
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012187317
OpenAI Moderation v1 (007)
Harassment
0.0009747265
OpenAI Moderation v1 (007)
Self-Harm
0.0002446245
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002044296
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002028083
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.59722E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.69152E-5
OpenAI Moderation v1 (007)
Hate
1.23829E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.212E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
36.5
Gunning-Fog Score
12.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.4
Dale-Chall Readability Score
8.9
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13

George Gekas

The final member of this panel is Gary Klein, who is well- known to this committee. He is a senior attorney at the National Consumer Law Center, where he specializes in consumer bankruptcy, consumer credit, and foreclosure law. He is also director of the Center's Sustainable Home Ownership Initiative, which represents low-income homeowners. Mr. Klein has authored several books on bankruptcy, on foreclosure, and on the Truth in Lending Act.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
0.612
Very Positive
Moderation
Sexual
0.0051983785
OpenAI Moderation v1 (007)
Violence
0.0051327159
OpenAI Moderation v1 (007)
Hate
0.003414899
OpenAI Moderation v1 (007)
Harassment
0.0007576995
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007441855
OpenAI Moderation v1 (007)
Sexual > Minors
0.000668973
OpenAI Moderation v1 (007)
Self-Harm
0.0002017433
OpenAI Moderation v1 (007)
Harassment > Threatening
5.67691E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.0723E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.1355E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.645E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
44.7
Gunning-Fog Score
13.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.5
Dale-Chall Readability Score
6.9
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
28

George Gekas

The National Consumer Law Center is a nonprofit organization that specializes in consumer credit issues on behalf of low-income people.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.382
Somewhat Positive
Moderation
Sexual
0.0084944586
OpenAI Moderation v1 (007)
Sexual > Minors
0.0038154958
OpenAI Moderation v1 (007)
Violence
0.0037994108
OpenAI Moderation v1 (007)
Violence > Graphic
0.001765991
OpenAI Moderation v1 (007)
Harassment
0.0002771483
OpenAI Moderation v1 (007)
Self-Harm
0.0001976564
OpenAI Moderation v1 (007)
Hate
0.0001060337
OpenAI Moderation v1 (007)
Harassment > Threatening
2.80203E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.3129E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.2571E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.69E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16.3
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.8
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11

George Gekas

As is our custom, we will produce for the record any written statement that you may have offered, as you've already submitted. Without objection, they'll be included in part of the record. We'll ask each one of you to speak for about 5 minutes in summarization of your full statement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0
Neutral
Moderation
Violence
0.0152552166
OpenAI Moderation v1 (007)
Hate
0.0080788173
OpenAI Moderation v1 (007)
Harassment
0.0058693935
OpenAI Moderation v1 (007)
Violence > Graphic
0.0038051836
OpenAI Moderation v1 (007)
Self-Harm
0.0014327785
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000436355
OpenAI Moderation v1 (007)
Sexual
0.0003602231
OpenAI Moderation v1 (007)
Sexual > Minors
0.000124206
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.55571E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.44501E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.45992E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
10.7
Coleman-Liau Index
10.7
SMOG Index
10.6
Automated Readability Index
8.1
Dale-Chall Readability Score
4
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
13

George Gekas

We'll begin with Mr. Sheaffer.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence > Graphic
0.045655173
OpenAI Moderation v1 (007)
Harassment
0.0265154435
OpenAI Moderation v1 (007)
Self-Harm
0.0042338361
OpenAI Moderation v1 (007)
Violence
0.0041073428
OpenAI Moderation v1 (007)
Hate
0.0038706185
OpenAI Moderation v1 (007)
Sexual
0.0016511192
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002265815
OpenAI Moderation v1 (007)
Sexual > Minors
9.07905E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.88319E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.8283E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.6531E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.9
Flesch-Kincaid Ease
85.9
Gunning-Fog Score
1
Coleman-Liau Index
11.2
SMOG Index
3.3
Automated Readability Index
1.5
Dale-Chall Readability Score
6.4
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3

Dean Sheaffer

Good afternoon. My name is Dean Sheaffer. I'm vice president and director of credit for Boscov's Department Stores. Boscov's is a family-owned regional department store chain operating in the Mid-Atlantic States. Our largest number of stores is in Mr. Gekas' home State, Pennsylvania.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.7
Very Positive
Moderation
Harassment
0.0680311467
OpenAI Moderation v1 (007)
Violence > Graphic
0.008920316
OpenAI Moderation v1 (007)
Hate
0.0081141545
OpenAI Moderation v1 (007)
Violence
0.0041444695
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014726113
OpenAI Moderation v1 (007)
Self-Harm
0.0002450574
OpenAI Moderation v1 (007)
Sexual
0.0001499824
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.78924E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.58126E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.8736E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.4683E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
60.1
Gunning-Fog Score
8.3
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
6.3
Dale-Chall Readability Score
7.4
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
20

Dean Sheaffer

I'm testifying on behalf of the National Retail Federation. Boscov's is a member of the NRF, and I'm an active member of its Credit Management Advisory Council.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.649
Very Positive
Moderation
Harassment
0.1794511802
OpenAI Moderation v1 (007)
Violence
0.043492415
OpenAI Moderation v1 (007)
Hate
0.0318663864
OpenAI Moderation v1 (007)
Violence > Graphic
0.0187810496
OpenAI Moderation v1 (007)
Sexual
0.005715559
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0034076576
OpenAI Moderation v1 (007)
Self-Harm
0.0020560172
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001023096
OpenAI Moderation v1 (007)
Sexual > Minors
4.53395E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.23506E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.9584E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
45.9
Gunning-Fog Score
6.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.6
Dale-Chall Readability Score
8.9
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
14

Dean Sheaffer

I would like to thank the chairman for providing me with the opportunity to testify before these distinguished committees. I would also like to take just a moment to thank the chairman, Mr. Gekas, for all of your hard work last year on H.R. 3150. Your unique understanding of the retail position and the retail issues is truly appreciated.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.21888
VADER
0.949
Very Positive
Moderation
Violence
0.1265375526
OpenAI Moderation v1 (007)
Harassment
0.0775207067
OpenAI Moderation v1 (007)
Violence > Graphic
0.02612588
OpenAI Moderation v1 (007)
Hate
0.015557195
OpenAI Moderation v1 (007)
Self-Harm
0.006345928
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0040586296
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026677641
OpenAI Moderation v1 (007)
Sexual
0.0006628498
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001251632
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001096112
OpenAI Moderation v1 (007)
Sexual > Minors
5.34712E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.6
Flesch-Kincaid Ease
65.6
Gunning-Fog Score
10
Coleman-Liau Index
10.6
SMOG Index
10.3
Automated Readability Index
4.7
Dale-Chall Readability Score
4.7
Sprache Readability Score
3.1
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
15

Dean Sheaffer

The National Retail Federation is the world's largest retail trade association. The NRF members represent 1.4 million U. S. retail establishments, employs 20 million Americans, about one in five American workers, and registered 1998 sales of $2.7 trillion.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0
Neutral
Moderation
Harassment
0.080738432
OpenAI Moderation v1 (007)
Self-Harm
0.0257985492
OpenAI Moderation v1 (007)
Violence
0.0244921655
OpenAI Moderation v1 (007)
Hate
0.0129383712
OpenAI Moderation v1 (007)
Violence > Graphic
0.0095462972
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0042090142
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0035522899
OpenAI Moderation v1 (007)
Sexual
0.0006297621
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004023566
OpenAI Moderation v1 (007)
Sexual > Minors
4.29982E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.60751E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
43.6
Gunning-Fog Score
11.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.9
Dale-Chall Readability Score
7.1
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
17

Dean Sheaffer

NRF's members and their customers are greatly affected by the recent surge in consumer bankruptcies. In the past 3 years, national filings have risen more than 60 percent. In Pennsylvania, our home State, chapter 7 bankruptcies have grown by 90 percent in that same time period. Last year, there were nearly 1.5 million bankruptcy filings. The overwhelming majority of which were consumer bankruptcy filings.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
-0.218
Slightly Negative
Moderation
Harassment
0.0237804838
OpenAI Moderation v1 (007)
Violence
0.0191472398
OpenAI Moderation v1 (007)
Hate
0.0054711643
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014688285
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008595856
OpenAI Moderation v1 (007)
Self-Harm
0.0007412977
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000714909
OpenAI Moderation v1 (007)
Sexual
0.0002175301
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001265394
OpenAI Moderation v1 (007)
Hate > Threatening
1.94589E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.32429E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
57.7
Gunning-Fog Score
13.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9
Dale-Chall Readability Score
6.6
Sprache Readability Score
4
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
22

Dean Sheaffer

Today, we have a strong economy. We set another record in the stock market yesterday. We had the lowest unemployment in a quarter of a century. And, yet, at the current rate of bankruptcy filings, within the next decade one in seven American families will have filed bankruptcy.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-2.19722
VADER
-0.296
Slightly Negative
Moderation
Harassment
0.0307535694
OpenAI Moderation v1 (007)
Self-Harm
0.0127305466
OpenAI Moderation v1 (007)
Violence > Graphic
0.0103059756
OpenAI Moderation v1 (007)
Violence
0.0094264295
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0050003477
OpenAI Moderation v1 (007)
Hate
0.0029916475
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0025386265
OpenAI Moderation v1 (007)
Sexual
0.0004434946
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001466606
OpenAI Moderation v1 (007)
Hate > Threatening
4.13704E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.21442E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
55.4
Gunning-Fog Score
11.5
Coleman-Liau Index
11.5
SMOG Index
11.8
Automated Readability Index
6.5
Dale-Chall Readability Score
4.5
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
17

Dean Sheaffer

At Boscov's in 1994, we wrote off $1.2 million in bankruptcy losses, about 35 percent of our total credit losses. In 1997, that number had nearly quadrupled to $4.6 million, and 50 percent of our total credit losses. It is estimated that over $40 billion nationwide was written off in bankruptcy losses last year. That amounts to a discharge of $110 million every single day.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
-0.55556
Very Negative
Harvard-IV (Absolute)
-0.55556
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
-0.649
Very Negative
Moderation
Harassment
0.0216978689
OpenAI Moderation v1 (007)
Hate
0.009765783
OpenAI Moderation v1 (007)
Violence
0.0094294868
OpenAI Moderation v1 (007)
Violence > Graphic
0.0022497099
OpenAI Moderation v1 (007)
Self-Harm
0.0006614126
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006100047
OpenAI Moderation v1 (007)
Sexual
0.0004739637
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002695513
OpenAI Moderation v1 (007)
Sexual > Minors
6.33523E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.12412E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.8793E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
68
Gunning-Fog Score
13.3
Coleman-Liau Index
9.1
SMOG Index
12
Automated Readability Index
6.6
Dale-Chall Readability Score
4.2
Sprache Readability Score
4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
17

Dean Sheaffer

When an individual declares bankruptcy rather than paying the $300 they may owe Boscov's or the thousands of dollars they may owe in State taxes or other bills, it forces the rest of us to pick up their expenses. Last year to make up for these losses, it costs each of our households hundreds of dollars.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.27273
Slightly Negative
Harvard-IV (Absolute)
-0.27273
Slightly Negative
Harvard-IV (Logit)
-0.51083
VADER
-0.402
Negative
Moderation
Violence > Graphic
0.0298751518
OpenAI Moderation v1 (007)
Self-Harm
0.0197101195
OpenAI Moderation v1 (007)
Violence
0.0137286406
OpenAI Moderation v1 (007)
Harassment
0.0113290655
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0015927944
OpenAI Moderation v1 (007)
Hate
0.0012652692
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010702457
OpenAI Moderation v1 (007)
Sexual
0.0004274746
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001056806
OpenAI Moderation v1 (007)
Sexual > Minors
3.04081E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.1232E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.8
Flesch-Kincaid Ease
60.6
Gunning-Fog Score
14.1
Coleman-Liau Index
9.4
SMOG Index
11.3
Automated Readability Index
12
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
16

Dean Sheaffer

I want to be clear, we cannot eliminate all of these losses. Some of them are unavoidable. Bankruptcy must remain an option for those who have experienced serious financial setbacks and who have no other means for recovering. Most people who file for bankruptcy need the relief. We must be very careful to distinguish the average filer who uses the system properly from the smaller but important group of others who mis-use the system for their benefit. It is with this trend that we must be concerned, with those who use the system to wipe out their debts without ever making a serious effort to repay them.
Sentiment
Loughran McDonald (Relative)
-0.77778
Very Negative
Loughran McDonald (Absolute)
-0.77778
Very Negative
Loughran McDonald (Logit)
-1.7346
Harvard-IV (Relative)
0.3
Slightly Positive
Harvard-IV (Absolute)
0.3
Slightly Positive
Harvard-IV (Logit)
0.58779
VADER
0.8
Very Positive
Moderation
Violence
0.0340270984
OpenAI Moderation v1 (007)
Violence > Graphic
0.0256277272
OpenAI Moderation v1 (007)
Self-Harm
0.0027121316
OpenAI Moderation v1 (007)
Harassment
0.0024819097
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010844674
OpenAI Moderation v1 (007)
Sexual
0.001057032
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003690353
OpenAI Moderation v1 (007)
Hate
0.000252211
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001847547
OpenAI Moderation v1 (007)
Sexual > Minors
5.77964E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.1326E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9
Flesch-Kincaid Ease
62.4
Gunning-Fog Score
12.4
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
9.1
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
30

Dean Sheaffer

In my experience at Boscov's, the vast majority of our customers pay as agreed. In the past we would occasionally see a few customers whose payment patterns were more erratic. They might fall behind a few months, make a few payments, catch up, go back and forth. Today, however, we see a very different picture. Often our first indication that a customer is in serious financial difficulty is when we receive their petition of bankruptcy.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.36772
VADER
-0.25
Slightly Negative
Moderation
Harassment
0.0351529598
OpenAI Moderation v1 (007)
Violence
0.0294491794
OpenAI Moderation v1 (007)
Violence > Graphic
0.0118631084
OpenAI Moderation v1 (007)
Self-Harm
0.0113298964
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0100855657
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0063075691
OpenAI Moderation v1 (007)
Hate
0.0015140753
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004254448
OpenAI Moderation v1 (007)
Sexual
0.0003130665
OpenAI Moderation v1 (007)
Sexual > Minors
9.73842E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.9494E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
55.1
Gunning-Fog Score
14
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
8.2
Dale-Chall Readability Score
3.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
18

Dean Sheaffer

Recently, we did a study and found that almost half of our petitions for bankruptcy came from customers who were not seriously delinquent on our account when they made the decision to declare bankruptcy.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
0.053
Neutral
Moderation
Harassment
4.2511381209
OpenAI Moderation v1 (007)
Hate
0.1525002648
OpenAI Moderation v1 (007)
Self-Harm
0.0299503241
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0234727719
OpenAI Moderation v1 (007)
Violence
0.0089754278
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0039978848
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0037291007
OpenAI Moderation v1 (007)
Violence > Graphic
0.0024982093
OpenAI Moderation v1 (007)
Sexual
0.0007710825
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005466591
OpenAI Moderation v1 (007)
Hate > Threatening
4.02565E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10

Dean Sheaffer

Last year, we strongly supported the bill introduced by Mr. Gekas and Mr. Moran. It provided a simple, up-front, needs- based formula that allowed the overwhelming majority of those who needed bankruptcy relief in chapter 7 to have it with virtually no questions asked. But for that sub-group of filers, for those higher income individuals who would use chapter 7 to push their debts on to others regardless of the filer's ability to pay, the up-front, needs-based approach would have said, "No, pay what you can afford." The Senate took a different approach in S. 1301. They relied far more heavily on tweaks to the current system to address the problem.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.04348
Neutral
Harvard-IV (Absolute)
-0.04348
Neutral
Harvard-IV (Logit)
-0.08338
VADER
0.226
Slightly Positive
Moderation
Harassment
4.7865375876
OpenAI Moderation v1 (007)
Hate
0.2384915482
OpenAI Moderation v1 (007)
Violence
0.0605955836
OpenAI Moderation v1 (007)
Violence > Graphic
0.0487357203
OpenAI Moderation v1 (007)
Self-Harm
0.045630394
OpenAI Moderation v1 (007)
Sexual
0.0048386508
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0032325665
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0030584368
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0012723319
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006405744
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001147345
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.7
Flesch-Kincaid Ease
65.7
Gunning-Fog Score
11
Coleman-Liau Index
10.6
SMOG Index
11.1
Automated Readability Index
6.9
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
40
Sprache Difficult Word Count
39

Dean Sheaffer

For retailers such as Boscov's, a typical balance on our card in bankruptcy may be $500 or $600. With a recovery in a chapter 13 bankruptcy being maybe 30 cents on the dollar, it would not make economic sense for Boscov's to spend hundreds of more dollars, it not thousands, to try to move a customer from chapter 7 to chapter 13 to receive maybe $3 a month or $150 in total recoveries.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Harassment
0.0053175238
OpenAI Moderation v1 (007)
Self-Harm
0.0053110518
OpenAI Moderation v1 (007)
Hate
0.0028880107
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017521312
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0011569017
OpenAI Moderation v1 (007)
Violence
0.0010170521
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001477976
OpenAI Moderation v1 (007)
Sexual
9.37719E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.85168E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.6702E-6
OpenAI Moderation v1 (007)
Hate > Threatening
6.07E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53.9
Gunning-Fog Score
19
Coleman-Liau Index
7.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
14

Dean Sheaffer

In closing, on behalf of the National Retail Federation, we urge Members of Congress to take swift legislative action to address the problems confronting the Nation's bankruptcy system. If we are not careful, the costs of the rising tide of discretionary filings may tax society's compassion for those in genuine need. We must not allow that to happen. I believe that it is imperative for Congress to pass common sense bankruptcy reform legislation this year consistent with H.R. 3150.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
0.016
Neutral
Moderation
Harassment
0.0692806672
OpenAI Moderation v1 (007)
Violence
0.0355184573
OpenAI Moderation v1 (007)
Violence > Graphic
0.0164081386
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0086411026
OpenAI Moderation v1 (007)
Self-Harm
0.0071324277
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0037897997
OpenAI Moderation v1 (007)
Hate
0.0022073003
OpenAI Moderation v1 (007)
Sexual
0.0001790827
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001093527
OpenAI Moderation v1 (007)
Sexual > Minors
6.60315E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.1624E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
53.7
Gunning-Fog Score
10.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
8.3
Dale-Chall Readability Score
6.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
33

Dean Sheaffer

Thank you very much.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.361
Somewhat Positive
Moderation
Harassment
2.6198264211
OpenAI Moderation v1 (007)
Violence
0.080858235
OpenAI Moderation v1 (007)
Hate
0.0808223442
OpenAI Moderation v1 (007)
Self-Harm
0.0425817561
OpenAI Moderation v1 (007)
Violence > Graphic
0.0389653636
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0148528838
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0043706939
OpenAI Moderation v1 (007)
Sexual
0.0020726224
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0016012287
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005326475
OpenAI Moderation v1 (007)
Hate > Threatening
9.01631E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.7
Flesch-Kincaid Ease
97
Gunning-Fog Score
1.6
Coleman-Liau Index
7.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.2
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0

Note

[The prepared statement of Mr. Sheaffer follows:] Prepared Statement of Dean Sheaffer, Vice President and Director of Credit, Boscov's Department Store, Inc., Laurel Dale, PA, representing the National Retail Federation
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.542
Very Positive
Moderation
Violence
0.023255909
OpenAI Moderation v1 (007)
Violence > Graphic
0.0093152325
OpenAI Moderation v1 (007)
Self-Harm
0.0079606703
OpenAI Moderation v1 (007)
Harassment
0.007606265
OpenAI Moderation v1 (007)
Hate
0.0043309497
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0036291898
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014871177
OpenAI Moderation v1 (007)
Sexual
0.0010215977
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002722547
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001148632
OpenAI Moderation v1 (007)
Hate > Threatening
2.75233E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
37
Gunning-Fog Score
6.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
10
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18

Dean Sheaffer

Good Morning. My name is Dean Sheaffer. I am Vice President for Boscov's Department Stores. Boscov's is a regional department store chain primarily located New York, New Jersey, Maryland, Delaware, and Pennsylvania. I am testifying on behalf of the National Retail Federation. Boscov's is a member of NRF, and I am an active member of its Credit Management Advisory Council. I would like to thank the Chairmen for providing me with the opportunity to testify before these distinguished committees.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.94444
VADER
0.933
Very Positive
Moderation
Violence
0.0659045647
OpenAI Moderation v1 (007)
Harassment
0.0091736692
OpenAI Moderation v1 (007)
Violence > Graphic
0.0069156449
OpenAI Moderation v1 (007)
Sexual
0.002257634
OpenAI Moderation v1 (007)
Hate
0.0016216443
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014896797
OpenAI Moderation v1 (007)
Self-Harm
0.0012847234
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0008702589
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003649844
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001271319
OpenAI Moderation v1 (007)
Hate > Threatening
4.1291E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
46.5
Gunning-Fog Score
9.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
7.4
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
33

Dean Sheaffer

The National Retail Federation (NRF) is the world's largest retail trade association with membership that comprises all retail formats and channels of distribution including department, specialty, discount, catalogue, Internet and independent stores. NRF members represent an industry that encompasses more than 1.4 million U.S. retail establishments, employs more than 20 million people -- about 1 in 5 American workers -- and registered 1998 sales of $2.7 trillion. NRF's members and the consumers to whom they sell are greatly affected by the recent surge in consumer bankruptcies.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
-0.218
Slightly Negative
Moderation
Violence > Graphic
0.0262185815
OpenAI Moderation v1 (007)
Violence
0.0170335625
OpenAI Moderation v1 (007)
Harassment
0.005757984
OpenAI Moderation v1 (007)
Self-Harm
0.0042453343
OpenAI Moderation v1 (007)
Sexual
0.0009052858
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006001274
OpenAI Moderation v1 (007)
Hate
0.0005656261
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003624364
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002122637
OpenAI Moderation v1 (007)
Sexual > Minors
2.56508E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.0156E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.3
Gunning-Fog Score
16.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
39
Sprache Difficult Word Count
39

Dean Sheaffer

Bankruptcies are out of control. In the past 3 years, national filings have risen more than sixty percent (60%). In Pennsylvania where we are based, Chapter 7 bankruptcies have grown by 90 percent in that same time period. Nationally, we continue to exceed the one million filing record set in 1996. Last year there were nearly 1.5 million bankruptcy filings, the overwhelming majority of which (more than 95 percent) were consumer filings.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.6
Very Negative
Harvard-IV (Absolute)
-0.6
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
0
Neutral
Moderation
Violence
0.0240528883
OpenAI Moderation v1 (007)
Harassment
0.0138888587
OpenAI Moderation v1 (007)
Sexual > Minors
0.013609005
OpenAI Moderation v1 (007)
Sexual
0.0070832524
OpenAI Moderation v1 (007)
Violence > Graphic
0.0024494657
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017632161
OpenAI Moderation v1 (007)
Hate
0.0010272463
OpenAI Moderation v1 (007)
Hate > Threatening
0.0003958864
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003516186
OpenAI Moderation v1 (007)
Self-Harm
4.81991E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.07984E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.2
Flesch-Kincaid Ease
61.8
Gunning-Fog Score
11.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8
Dale-Chall Readability Score
6
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
21

Dean Sheaffer

Mr. Chairman, I would like to put these numbers in perspective. Bankruptcy filings are nearly four times higher now than they were during the much worse economic conditions that existed in 1980. Now, we have a strong economy, a record setting stock market, the lowest unemployment in a quarter of a century; the public is optimistic about the future. And yet, if the current rate of filings holds (and it's not going down) within the next decade, 1 in every 7 American households will have filed for bankruptcy. The system is out of whack.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.61904
VADER
-0.128
Leans Negative
Moderation
Violence
0.003142561
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018013368
OpenAI Moderation v1 (007)
Harassment
0.0015573261
OpenAI Moderation v1 (007)
Self-Harm
0.0007159556
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006002659
OpenAI Moderation v1 (007)
Hate
0.000319635
OpenAI Moderation v1 (007)
Sexual
0.0002014566
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.32035E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.63745E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.35661E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.442E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.2
Flesch-Kincaid Ease
64
Gunning-Fog Score
11.4
Coleman-Liau Index
10.7
SMOG Index
11.7
Automated Readability Index
7.6
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
32

Dean Sheaffer

It is estimated that over $40 billion was written off in bankruptcy losses last year, which amounts to the discharge of at least $110 million every day. This money does not simply disappear. The cost of these losses and unpaid debts are borne by everyone else. When an individual declares bankruptcy rather than pay the $300 they may owe to Boscov's, or the thousand dollars they may owe in state taxes or other bills, they force the rest of us to pick up their expenses. Everyone else's taxes are higher, everyone else's credit is tighter, and everyone else pays more for merchandise as a result of those who choose to walk away. The nation's 100 million households ultimately pay that $40 to 50 billion. Last year, to make up for these losses, it cost each of our households several hundred dollars. This year's number threatens to be even higher.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.94444
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.65925
VADER
-0.809
Very Negative
Moderation
Violence > Graphic
0.0406336738
OpenAI Moderation v1 (007)
Violence
0.0069318216
OpenAI Moderation v1 (007)
Harassment
0.0033788161
OpenAI Moderation v1 (007)
Sexual
0.0031968699
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003463773
OpenAI Moderation v1 (007)
Self-Harm
0.0002553468
OpenAI Moderation v1 (007)
Hate
0.0002214905
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000203224
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.65136E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.4451E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.1079E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
62.5
Gunning-Fog Score
13.1
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
8.8
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
37

Dean Sheaffer

Now I want to be clear. We cannot eliminate all of these losses. Some of them are unavoidable. Bankruptcy must remain an option for those who have experienced serious financial setbacks and who have no other means of recovering. The bankruptcy system exists to help those who have suffered a catastrophic accident, illness or divorce, or those who have experienced the loss of a business or job from which they cannot otherwise recover. It is both the safety net and the last resort for people in trouble. The knowledge that the bankruptcy system exists to catch them in a financial fall, even though it might never be used, is important. Finally, most people who file for bankruptcy need relief. We must be very careful to distinguish the average filer, who uses the system properly, from that smaller, but important group of others who misuse the system for their benefit.
Sentiment
Loughran McDonald (Relative)
-0.88235
Very Negative
Loughran McDonald (Absolute)
-0.88235
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.09677
Neutral
Harvard-IV (Absolute)
-0.09677
Neutral
Harvard-IV (Logit)
-0.18805
VADER
0.378
Somewhat Positive
Moderation
Self-Harm
0.0193753716
OpenAI Moderation v1 (007)
Violence
0.0021708182
OpenAI Moderation v1 (007)
Harassment
0.0015270041
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013783978
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007983202
OpenAI Moderation v1 (007)
Sexual
0.0006897267
OpenAI Moderation v1 (007)
Hate
4.67138E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
3.09043E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.12173E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.14479E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.478E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.4
Flesch-Kincaid Ease
57.2
Gunning-Fog Score
13.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
40

Dean Sheaffer

It is this trend with which we must be concerned. We believe changing consumer attitudes regarding personal responsibility and inherent flaws in our bankruptcy process have caused many individuals, who do not need full bankruptcy relief, to turn to the system regardless. They use it to wipe out their debts, without ever making a serious effort to pay. Some of this change in usage results from a decline in the stigma traditionally associated with filing for bankruptcy. Some of it results from suggestions by others who urge individuals to use bankruptcy to "beat the system." Whatever the cause, it must be stopped.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.94444
Harvard-IV (Relative)
0.04
Neutral
Harvard-IV (Absolute)
0.04
Neutral
Harvard-IV (Logit)
0.07696
VADER
0.224
Slightly Positive
Moderation
Violence
0.0420618308
OpenAI Moderation v1 (007)
Violence > Graphic
0.019828495
OpenAI Moderation v1 (007)
Harassment
0.004135436
OpenAI Moderation v1 (007)
Sexual
0.0016431506
OpenAI Moderation v1 (007)
Self-Harm
0.0008853968
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005974981
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004115962
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002709252
OpenAI Moderation v1 (007)
Hate
0.0001119821
OpenAI Moderation v1 (007)
Hate > Threatening
3.46844E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9582E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
48.6
Gunning-Fog Score
13.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.4
Dale-Chall Readability Score
6.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
36
Sprache Difficult Word Count
33

Dean Sheaffer

My experience at Boscov's, and that of credit managers at other stores with whom I have spoken, convinces me of this fact. For example, for many years we tracked the payment history of those of our customers who carry and use the Boscov's card. The vast majority of our customers pay as agreed. In the past, however, we would occasionally see customers whose payment patterns were more erratic. They might fall behind by a few months, make payments to catch up, fall behind again, attempt to recover, and so forth. This kind of payment history suggested to us that the customer was experiencing some sort of financial difficulty. We would monitor the account and intervene as necessary, perhaps by suggesting consumer credit counseling or by limiting their credit line so as to minimize the amount of damage, prior to their possibly experiencing a financial failure.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.36842
Somewhat Positive
Harvard-IV (Absolute)
0.36842
Somewhat Positive
Harvard-IV (Logit)
0.73089
VADER
-0.288
Slightly Negative
Moderation
Violence
0.0043196105
OpenAI Moderation v1 (007)
Sexual
0.0039521692
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014827772
OpenAI Moderation v1 (007)
Harassment
0.0009064857
OpenAI Moderation v1 (007)
Self-Harm
0.0004958137
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002254363
OpenAI Moderation v1 (007)
Hate
0.0002194031
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000131774
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.58646E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.22145E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.591E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.9
Flesch-Kincaid Ease
46.9
Gunning-Fog Score
16.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.7
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
36
Sprache Difficult Word Count
40

Dean Sheaffer

Today, however, we see a very different picture. Often the first indication we receive that an individual is experiencing financial difficulty is when we receive notice of his bankruptcy petition. Recently at Boscov's, almost half of the bankruptcy petitions we receive are from customers who are not seriously delinquent with their accounts. The first indication of a problem is the notice that they have filed for bankruptcy. It appears that bankruptcy is increasingly becoming a first step rather than a last resort.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
-0.23077
Slightly Negative
Harvard-IV (Absolute)
-0.23077
Slightly Negative
Harvard-IV (Logit)
-0.43532
VADER
-0.599
Very Negative
Moderation
Harassment
0.0674626266
OpenAI Moderation v1 (007)
Sexual
0.021355701
OpenAI Moderation v1 (007)
Hate
0.0040640633
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0039750943
OpenAI Moderation v1 (007)
Violence
0.003754607
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017672275
OpenAI Moderation v1 (007)
Sexual > Minors
0.0014695949
OpenAI Moderation v1 (007)
Self-Harm
0.0007138809
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.50673E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.1134E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2272E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.5
Gunning-Fog Score
16.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
20

Dean Sheaffer

Individuals must have a good credit history to qualify for and continue to use a Boscov's card. Yet we, and other retail credit grantors, have been receiving bankruptcy filings without warning from individuals who have been solid customers for years.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.845
Very Positive
Moderation
Violence > Graphic
0.0122323108
OpenAI Moderation v1 (007)
Violence
0.0028035129
OpenAI Moderation v1 (007)
Sexual
0.0014992544
OpenAI Moderation v1 (007)
Self-Harm
0.0004862285
OpenAI Moderation v1 (007)
Harassment
0.0004792927
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003445501
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.08076E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.49031E-5
OpenAI Moderation v1 (007)
Hate
4.51265E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.1951E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.3533E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.5
Gunning-Fog Score
15
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13

Dean Sheaffer

We all experience temporary financial reversals in life. Most of us learn that, if you grit your teeth and tighten your belt a notch, you can get through it. But many people no longer see it that way. The rising bankruptcy filings reflect this. Professor Michael Staten at Georgetown University analyzed thousands of Chapter 7 petitions in courts all over the country. His review of debtors' own financial statements gives a strong indication of what is going wrong.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.25
Slightly Negative
Moderation
Sexual
0.0028464632
OpenAI Moderation v1 (007)
Violence
0.0022447442
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007755058
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006725488
OpenAI Moderation v1 (007)
Harassment
0.0006606309
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001448594
OpenAI Moderation v1 (007)
Hate
9.36457E-5
OpenAI Moderation v1 (007)
Self-Harm
5.9823E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.2802E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.6256E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.742E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
61.3
Gunning-Fog Score
10.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
8
Dale-Chall Readability Score
5.5
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
29

Dean Sheaffer

Individuals have a choice as to whether to file in Chapter 7, which generally wipes out all their unsecured debts, or if they file in Chapter 13, often known as a wage-earner plan. Instead of wiping out everything, a Chapter 13 filer attempts to pay as much as he or she can afford and the court discharges the rest. Not surprisingly, most people choose to file in Chapter 7.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.519
Very Negative
Moderation
Harassment
0.0380775018
OpenAI Moderation v1 (007)
Sexual
0.0029087574
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024398722
OpenAI Moderation v1 (007)
Violence
0.0021617965
OpenAI Moderation v1 (007)
Violence > Graphic
0.0021330259
OpenAI Moderation v1 (007)
Hate
0.0010926655
OpenAI Moderation v1 (007)
Self-Harm
0.0007143209
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005110511
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002354446
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.47896E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.2995E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.7
Flesch-Kincaid Ease
67.1
Gunning-Fog Score
12.2
Coleman-Liau Index
8.8
SMOG Index
11.3
Automated Readability Index
9.9
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
20

Dean Sheaffer

But many people who are filing in Chapter 7 do have the ability to pay some or all of what they owe. I understand that various studies have pegged this number as being anywhere from 30,000 filers per year to eight times that number. Whatever the figure, we should not treat bankruptcy as a "get out of debt free" card that can be used by thousands of filers every month, with virtually no questions asked.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.078
Neutral
Moderation
Harassment
0.036685387
OpenAI Moderation v1 (007)
Violence
0.0172937725
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0079427526
OpenAI Moderation v1 (007)
Self-Harm
0.0050110026
OpenAI Moderation v1 (007)
Sexual
0.0013042778
OpenAI Moderation v1 (007)
Hate
0.0008224777
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006231908
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004183136
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003307457
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001387083
OpenAI Moderation v1 (007)
Hate > Threatening
6.3215E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
60.9
Gunning-Fog Score
14.9
Coleman-Liau Index
8.8
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
22

Dean Sheaffer

Why are so many persons asking the court to make others pay their debts for them? Why aren't they ashamed to go into bankruptcy court? We think that there are a number of factors.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.22
Slightly Positive
Moderation
Sexual
0.1159548992
OpenAI Moderation v1 (007)
Harassment
0.0412208261
OpenAI Moderation v1 (007)
Violence
0.0259456137
OpenAI Moderation v1 (007)
Hate
0.0029995206
OpenAI Moderation v1 (007)
Violence > Graphic
0.0019759023
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004724262
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004132509
OpenAI Moderation v1 (007)
Self-Harm
0.0001768211
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001109596
OpenAI Moderation v1 (007)
Hate > Threatening
3.81796E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.664E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.4
Flesch-Kincaid Ease
83.4
Gunning-Fog Score
5.7
Coleman-Liau Index
8.8
SMOG Index
6.6
Automated Readability Index
3.9
Dale-Chall Readability Score
2.9
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
7

Dean Sheaffer

Part of it is lawyer advertising. We have all seen the ads on TV by lawyers promising to make individuals' debts disappear. Some don't even mention bankruptcy -- they talk about "restructuring" your finances. I question whether these aggressive advertisers inform their clients about the serious downsides of filing for bankruptcy. There are also bankruptcy petition preparers: clerk typists who simply fill out forms for filers. The client may never meet a lawyer. And with the widespread use of the Internet, websites that proclaim "File bankruptcy for as little as $99" are multiplying. I firmly believe these low cost "bankruptcy mills" are part of the problem.
Sentiment
Loughran McDonald (Relative)
-0.81818
Very Negative
Loughran McDonald (Absolute)
-0.81818
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.05882
Neutral
Harvard-IV (Absolute)
-0.05882
Neutral
Harvard-IV (Logit)
-0.11123
VADER
-0.599
Very Negative
Moderation
Violence
0.025996301
OpenAI Moderation v1 (007)
Violence > Graphic
0.0115784125
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0090940688
OpenAI Moderation v1 (007)
Sexual
0.0039956554
OpenAI Moderation v1 (007)
Harassment
0.0030394329
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007235292
OpenAI Moderation v1 (007)
Self-Harm
0.0006508579
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004183176
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003785678
OpenAI Moderation v1 (007)
Hate
0.0003746709
OpenAI Moderation v1 (007)
Hate > Threatening
4.92825E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
52.5
Gunning-Fog Score
13.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.2
Dale-Chall Readability Score
6.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
36
Sprache Difficult Word Count
36

Dean Sheaffer

I also believe that part of the problem is the declining social stigma associated with filing for bankruptcy. At a time when 1 in every 75 households files for bankruptcy, everyone knows someone, or knows of someone, who has recently declared. Many of these individuals keep their house and their car. They seem to have access to credit (although in many cases what they actually have is a secured credit card -- they put $500 in the bank and they get a card with a $500 "credit line"). And their friends and neighbors, not seeing the details of their life that bankruptcy disrupts, assume that bankruptcy is not the devastating situation they always thought. And there have been a number of high profile celebrity bankruptcies in recent years. I can't help but think that this sends a message to the public that the stigma of bankruptcy is fast disappearing.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-3.13549
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.704
Very Positive
Moderation
Sexual
0.0719014439
OpenAI Moderation v1 (007)
Violence
0.0073437739
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055279146
OpenAI Moderation v1 (007)
Harassment
0.001252702
OpenAI Moderation v1 (007)
Self-Harm
0.00108012
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010108914
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007967975
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003866667
OpenAI Moderation v1 (007)
Hate
6.2231E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.48802E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.71745E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.4
Flesch-Kincaid Ease
58.5
Gunning-Fog Score
14.1
Coleman-Liau Index
11.3
SMOG Index
12
Automated Readability Index
10.8
Dale-Chall Readability Score
4.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
31

Dean Sheaffer

Finally, these changes have revealed a flaw in the system itself. Our bankruptcy code allows individuals to choose the chapter they wish to file in, regardless of need. If shame won't keep the subgroup of filers who could pay from either filing, or from filing in the wrong chapter, Congress needs to establish a mechanism that will. It must be simple, fair and efficient.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
-0.16667
Leans Negative
Harvard-IV (Absolute)
-0.16667
Leans Negative
Harvard-IV (Logit)
-0.31015
VADER
0.052
Neutral
Moderation
Violence
0.1773898955
OpenAI Moderation v1 (007)
Harassment > Threatening
0.1694369945
OpenAI Moderation v1 (007)
Harassment
0.1031394466
OpenAI Moderation v1 (007)
Self-Harm
0.0042115193
OpenAI Moderation v1 (007)
Violence > Graphic
0.0034667366
OpenAI Moderation v1 (007)
Sexual
0.001981533
OpenAI Moderation v1 (007)
Hate
0.0013799051
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007171097
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003994056
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002572908
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001429763
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.2
Flesch-Kincaid Ease
65
Gunning-Fog Score
10.2
Coleman-Liau Index
11.7
SMOG Index
10.8
Automated Readability Index
8.6
Dale-Chall Readability Score
5
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
22

Dean Sheaffer

Last year, we strongly supported the bill introduced by Mr. Gekas and Mr. Moran, H.R. 3150. It provided a very simple, up front needs- based formula that allowed the overwhelming majority of those who needed bankruptcy relief in Chapter 7 to have it with virtually no questions asked. But for that subgroup of filers, for those higher income individuals who would use Chapter 7 to push their debts onto others regardless of the filer's ability to pay, the up front, needs- based test would have said, "No. Pay what you can afford, and society will wipe out the rest."
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.557
Very Positive
Moderation
Sexual
0.0273434503
OpenAI Moderation v1 (007)
Violence
0.0065460583
OpenAI Moderation v1 (007)
Harassment
0.0063158688
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035654106
OpenAI Moderation v1 (007)
Sexual > Minors
0.0012468857
OpenAI Moderation v1 (007)
Self-Harm
0.0006107761
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003082278
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000199129
OpenAI Moderation v1 (007)
Hate
7.71109E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.3451E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.26678E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
67.2
Gunning-Fog Score
10.6
Coleman-Liau Index
10.2
SMOG Index
10.8
Automated Readability Index
5.6
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
35

Dean Sheaffer

If individuals made less than the median income, or couldn't afford to pay 20 percent of their unsecured debts, H.R. 3150 would allow them to file in Chapter 7 without question. On the other hand, if an individual could afford to pay 40 percent of what he owed, H.R. 3150 would require him to pay what he could afford and the court would wipe out the remaining 60 percent. We strongly urged Congress to adopt that approach.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.56
Very Positive
Moderation
Violence
0.0197283007
OpenAI Moderation v1 (007)
Violence > Graphic
0.0146035149
OpenAI Moderation v1 (007)
Sexual
0.0119988559
OpenAI Moderation v1 (007)
Sexual > Minors
0.0021582513
OpenAI Moderation v1 (007)
Self-Harm
0.0011971387
OpenAI Moderation v1 (007)
Harassment
0.0009346434
OpenAI Moderation v1 (007)
Hate
0.0004225895
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000170213
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001530607
OpenAI Moderation v1 (007)
Hate > Threatening
4.0022E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.8557E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.8
Flesch-Kincaid Ease
80.8
Gunning-Fog Score
7
Coleman-Liau Index
8
SMOG Index
8.1
Automated Readability Index
3.3
Dale-Chall Readability Score
4.8
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
23

Dean Sheaffer

The Senate took a different approach in S. 1301. It relied far more heavily on tweaks to the current system to address the problem. I believe that in some cases, that approach could work. Where their were individuals who owed large amounts to single creditors and had the ability to pay that amount, that creditor might undertake the risks of legal action to seek payment. But in most cases, and especially for companies like mine, it wouldn't work.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.45455
Positive
Harvard-IV (Absolute)
0.45455
Positive
Harvard-IV (Logit)
0.8873
VADER
0.075
Neutral
Moderation
Violence
0.014756665
OpenAI Moderation v1 (007)
Violence > Graphic
0.0117049975
OpenAI Moderation v1 (007)
Harassment
0.0025793604
OpenAI Moderation v1 (007)
Hate
0.0014019626
OpenAI Moderation v1 (007)
Self-Harm
0.0008634635
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007845117
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003580991
OpenAI Moderation v1 (007)
Sexual
0.0002574953
OpenAI Moderation v1 (007)
Sexual > Minors
3.51692E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.96109E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.3297E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.5
Flesch-Kincaid Ease
64.6
Gunning-Fog Score
9.8
Coleman-Liau Index
11.1
SMOG Index
10.3
Automated Readability Index
6.6
Dale-Chall Readability Score
4.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
22

Dean Sheaffer

For retailers such as Boscov's, a typical balance on a Boscov's card for a customer in bankruptcy is approximately $500. A recover in a Chapter 13 proceeding might be 30 cents on the dollar. It would not make economic sense for Boscov's to spend hundreds or more dollars in an uncertain effort to move a petition from Chapter 7 to Chapter 13 to recover $150 at $3 a month. This is not to say that $150 isn't important to us. With tens of thousands of individuals filing for bankruptcy, those losses add up. It is just that the up front approach was far more efficient. This is why the National Retail Federation so strongly supported the simple, up front approach.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.28571
Slightly Positive
Harvard-IV (Absolute)
0.28571
Slightly Positive
Harvard-IV (Logit)
0.54654
VADER
-0.267
Slightly Negative
Moderation
Violence
0.1112224301
OpenAI Moderation v1 (007)
Violence > Graphic
0.0607877446
OpenAI Moderation v1 (007)
Harassment
0.0375388307
OpenAI Moderation v1 (007)
Hate
0.0244466937
OpenAI Moderation v1 (007)
Self-Harm
0.0053510357
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026056787
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000642278
OpenAI Moderation v1 (007)
Sexual
0.0003028756
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002353492
OpenAI Moderation v1 (007)
Hate > Threatening
5.0013E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2288E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
67.5
Gunning-Fog Score
12.2
Coleman-Liau Index
9.2
SMOG Index
12
Automated Readability Index
7.2
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
28

Dean Sheaffer

Congress reached a compromise last year. Congress abandoned the simple, up front approach for a more discretionary system. It added numerous provisions designed to ensure that child support obligations were the highest priority. It also added a number of Truth in Lending provisions. We support some of these changes. Others will make it more expensive or difficult for us to operate. Nevertheless, we believe that Congress should pass legislation consistent with the conference report of H.R. 3150.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.46667
Positive
Harvard-IV (Absolute)
0.46667
Positive
Harvard-IV (Logit)
0.93827
VADER
0.638
Very Positive
Moderation
Violence
0.0708919077
OpenAI Moderation v1 (007)
Violence > Graphic
0.0653958297
OpenAI Moderation v1 (007)
Self-Harm
0.0313582073
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0065659704
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0055406705
OpenAI Moderation v1 (007)
Harassment
0.0032354499
OpenAI Moderation v1 (007)
Hate
0.0020547155
OpenAI Moderation v1 (007)
Sexual
0.0009813487
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003330703
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002461611
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001076056
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
53.8
Gunning-Fog Score
11.2
Coleman-Liau Index
12
SMOG Index
10.6
Automated Readability Index
7.5
Dale-Chall Readability Score
6.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
28

Dean Sheaffer

In closing, on behalf of the National Retail Federation, we urge members of Congress to take swift legislative action to address the problems confronting the nation's bankruptcy system. Otherwise, in the not too distant future, we may find that among a large segment of our society, bankruptcy filings will become the rule rather than the exception. If we are not careful, the costs of the rising tide of discretionary filings may tax society's compassion for those in genuine need. We must not allow that to happen. I believe that it is imperative for Congress to pass common sense bankruptcy reform legislation this year, consistent with HR 3150, that is fair, simple, and workable.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.21131
VADER
0.331
Somewhat Positive
Moderation
Violence
0.0434182002
OpenAI Moderation v1 (007)
Violence > Graphic
0.0360526989
OpenAI Moderation v1 (007)
Self-Harm
0.0128395099
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.00909714
OpenAI Moderation v1 (007)
Harassment
0.0034980963
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0024859319
OpenAI Moderation v1 (007)
Sexual
0.0011683494
OpenAI Moderation v1 (007)
Harassment > Threatening
0.001165853
OpenAI Moderation v1 (007)
Hate
0.0007586084
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002322327
OpenAI Moderation v1 (007)
Hate > Threatening
4.5638E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
46.1
Gunning-Fog Score
14.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
38
Sprache Difficult Word Count
43

George Gekas

We thank the gentleman. Now we interrupt this program to introduce to the body Senator Biden, who has a long history of involvement in the bankruptcy issues facing our Nation, and who is here not only as a part of the joint panel that we have produced for today's hearing, but also because he has a personal interest in introducing a witness. Senator Biden?
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
0.619
Very Positive
Moderation
Harassment
0.0598250423
OpenAI Moderation v1 (007)
Self-Harm
0.0402744132
OpenAI Moderation v1 (007)
Violence
0.0301390013
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0219151843
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0121177713
OpenAI Moderation v1 (007)
Violence > Graphic
0.0101556601
OpenAI Moderation v1 (007)
Hate
0.0040548573
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0011250205
OpenAI Moderation v1 (007)
Sexual
0.0005356504
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001048347
OpenAI Moderation v1 (007)
Hate > Threatening
5.13377E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
50.4
Gunning-Fog Score
14.8
Coleman-Liau Index
10.6
SMOG Index
12
Automated Readability Index
10.4
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
22

Joe Biden

Mr. Chairman, thank you very much. I would like the record to show my personal history in bankruptcy does not mean I have ever filed. [Laughter.]
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.648
Very Positive
Moderation
Violence > Graphic
0.0180117786
OpenAI Moderation v1 (007)
Violence
0.0180072122
OpenAI Moderation v1 (007)
Harassment
0.0038436418
OpenAI Moderation v1 (007)
Self-Harm
0.0022226081
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009883279
OpenAI Moderation v1 (007)
Hate
0.0006456144
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000483848
OpenAI Moderation v1 (007)
Sexual
0.0002716411
OpenAI Moderation v1 (007)
Sexual > Minors
2.81374E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.0914E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.414E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.2
Flesch-Kincaid Ease
79.9
Gunning-Fog Score
8.1
Coleman-Liau Index
8.9
SMOG Index
9
Automated Readability Index
2.5
Dale-Chall Readability Score
3.6
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
7

Joe Biden

And I want to assure Mr. Nadler I haven't switched sides. It was the most convenient seat.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.402
Positive
Moderation
Harassment
0.0088700333
OpenAI Moderation v1 (007)
Violence
0.0055699984
OpenAI Moderation v1 (007)
Hate
0.004405266
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014151738
OpenAI Moderation v1 (007)
Self-Harm
0.0010032447
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005149709
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002025315
OpenAI Moderation v1 (007)
Harassment > Threatening
7.87433E-5
OpenAI Moderation v1 (007)
Sexual
4.1603E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.8715E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.3794E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.6
Flesch-Kincaid Ease
86.6
Gunning-Fog Score
4.6
Coleman-Liau Index
8.4
SMOG Index
6.6
Automated Readability Index
0.8
Dale-Chall Readability Score
4.9
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
6

Joe Biden

Thank you, Mr. Chairman. I know you know the absence of Senators here in this joint hearing is because we have 11 votes in a row stacked. But I did want to come over, I know several of my colleagues have been here, because I'm particularly glad to have the opportunity to introduce Mr. Bruce Hammonds, the senior vice chairman and chief operating officer of MBNA.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.8
Very Positive
Harvard-IV (Absolute)
0.8
Very Positive
Harvard-IV (Logit)
1.84583
VADER
0.834
Very Positive
Moderation
Harassment
0.0146468577
OpenAI Moderation v1 (007)
Violence
0.0093520619
OpenAI Moderation v1 (007)
Hate
0.0019104942
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007205669
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003787553
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000297437
OpenAI Moderation v1 (007)
Self-Harm
0.000126267
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001018461
OpenAI Moderation v1 (007)
Sexual
2.76922E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.798E-6
OpenAI Moderation v1 (007)
Sexual > Minors
3.4339E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.9
Flesch-Kincaid Ease
69.1
Gunning-Fog Score
10.1
Coleman-Liau Index
9.7
SMOG Index
10.9
Automated Readability Index
5.6
Dale-Chall Readability Score
5.2
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
20

Joe Biden

MBNA is headquartered in my hometown, Mr. Chairman, and is one of Delaware's most important and responsible corporate citizens, and, quite frankly, one of our largest employers in the State.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0.566
Very Positive
Moderation
Harassment
0.0675404037
OpenAI Moderation v1 (007)
Violence
0.0117733143
OpenAI Moderation v1 (007)
Hate
0.007126655
OpenAI Moderation v1 (007)
Violence > Graphic
0.0048100806
OpenAI Moderation v1 (007)
Self-Harm
0.0027164751
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.002000074
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008478278
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003843813
OpenAI Moderation v1 (007)
Sexual
0.0001933054
OpenAI Moderation v1 (007)
Sexual > Minors
2.92138E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.26252E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
50.6
Gunning-Fog Score
15.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.1
Dale-Chall Readability Score
6.5
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
13

Joe Biden

And I just want to state for the record that Senator Grassley and I, as you well know, Mr. Chairman, have been working closely on the Senate side to craft a piece of bankruptcy legislation that we believe can stand the test that you do not have to stand over here called a filibuster. And stand the test of bipartisan support. I'm sure it will be different to some degree from what the House reports out, but it is my hope that everyone recognizes there is a need for serious reform of the system. And Senator Grassley, myself, and Torricelli and others on the Judiciary Committee are trying to duplicate the outcome we had last year as it related to the vote count anyway to make sure we have an overwhelming vote in the Senate side.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.07692
Neutral
Harvard-IV (Absolute)
0.07692
Neutral
Harvard-IV (Logit)
0.1431
VADER
0.861
Very Positive
Moderation
Sexual
0.0166991435
OpenAI Moderation v1 (007)
Violence
0.0060653423
OpenAI Moderation v1 (007)
Violence > Graphic
0.0042588985
OpenAI Moderation v1 (007)
Sexual > Minors
0.0018808807
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008073439
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000388764
OpenAI Moderation v1 (007)
Harassment
0.0002911419
OpenAI Moderation v1 (007)
Self-Harm
0.0002408311
OpenAI Moderation v1 (007)
Hate > Threatening
0.000115602
OpenAI Moderation v1 (007)
Hate
1.22327E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.6026E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
57.3
Gunning-Fog Score
14.4
Coleman-Liau Index
9.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
37

Joe Biden

So I look forward to working with you and all of our colleagues in the House Judiciary Committee to see if we can come up with a serious piece of legislation that addresses the problems. It will not be, as we say, all everyone wants, but I do think there's an urgent need for us to move. And I might add we've been told by the leadership on our side, Mr. Chairman, that if we don't get something moving on our side in the very near term, we are not going to have it brought up this year. Now that is not your problem, that's our problem. But we're working very hard at it.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.36772
VADER
-0.557
Very Negative
Moderation
Hate
0.0169914667
OpenAI Moderation v1 (007)
Sexual
0.0047178688
OpenAI Moderation v1 (007)
Violence
0.0044201413
OpenAI Moderation v1 (007)
Harassment
0.0018923758
OpenAI Moderation v1 (007)
Self-Harm
0.0007556819
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004213292
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001538791
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001128054
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.26404E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.0257E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.0151E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.8
Flesch-Kincaid Ease
79.9
Gunning-Fog Score
9.7
Coleman-Liau Index
7
SMOG Index
9.9
Automated Readability Index
6.3
Dale-Chall Readability Score
3.2
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
19

Joe Biden

And the last thing I'll say, Mr. Chairman, I always enjoy coming over to the House Judiciary Committee. For years and years of having chaired the Senate Judiciary Committee, I've envied you in a number respects, one of which is your platform is so much higher than ours. [Laughter.]
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.572
Very Positive
Moderation
Sexual
0.0189248574
OpenAI Moderation v1 (007)
Violence
0.0065598811
OpenAI Moderation v1 (007)
Harassment
0.001858378
OpenAI Moderation v1 (007)
Sexual > Minors
0.0018364948
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013782927
OpenAI Moderation v1 (007)
Self-Harm
0.0013525924
OpenAI Moderation v1 (007)
Hate
0.0006910138
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002018553
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001695927
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001151403
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9029E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
63.7
Gunning-Fog Score
6.4
Coleman-Liau Index
10.4
SMOG Index
9.9
Automated Readability Index
7.6
Dale-Chall Readability Score
5.1
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
15

Joe Biden

I always feel so much more important when I'm here than when I'm in the Senate side. But I realize I'm taken as seriously here as I'm there, so it's probably better I go back and vote.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.593
Very Positive
Moderation
Violence
0.0091710805
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0068524205
OpenAI Moderation v1 (007)
Violence > Graphic
0.0062372397
OpenAI Moderation v1 (007)
Self-Harm
0.0045581412
OpenAI Moderation v1 (007)
Sexual
0.0036477497
OpenAI Moderation v1 (007)
Sexual > Minors
0.0009806769
OpenAI Moderation v1 (007)
Harassment
0.0005647007
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005594764
OpenAI Moderation v1 (007)
Hate
0.0002825856
OpenAI Moderation v1 (007)
Hate > Threatening
4.45287E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.38887E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
73.7
Gunning-Fog Score
11.7
Coleman-Liau Index
6.5
SMOG Index
11.3
Automated Readability Index
5.6
Dale-Chall Readability Score
4.3
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
6

Joe Biden

But thank you very much, gentlemen and ladies, for the interruption.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence > Graphic
0.0200915834
OpenAI Moderation v1 (007)
Harassment
0.007311345
OpenAI Moderation v1 (007)
Violence
0.0038857859
OpenAI Moderation v1 (007)
Self-Harm
0.0031190666
OpenAI Moderation v1 (007)
Hate
0.0010762179
OpenAI Moderation v1 (007)
Sexual
0.0002181464
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001365422
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.77639E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.84092E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.1872E-6
OpenAI Moderation v1 (007)
Hate > Threatening
5.1627E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
57.2
Gunning-Fog Score
11.7
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.6
Dale-Chall Readability Score
2
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
2

George Gekas

By all means. We thank you for your participation, brief as it has been. And we'll keep you posted, which is a segue into an announcement by the Chair that the Senate practice and many times a House practice is that the witnesses who appear acknowledge and are willing to submit answers to questions, written questions posed by members of the panel, be it from the Senate or the House side. I assume by your presence here that you're willing to answer such questions. You can report to your colleagues that any written questions submitted will receive answers.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.361
Somewhat Positive
Moderation
Violence > Graphic
0.0199005823
OpenAI Moderation v1 (007)
Violence
0.0171501029
OpenAI Moderation v1 (007)
Harassment
0.010911312
OpenAI Moderation v1 (007)
Self-Harm
0.0091795766
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0021692455
OpenAI Moderation v1 (007)
Hate
0.0018389219
OpenAI Moderation v1 (007)
Sexual
0.0005137446
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000242551
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002417732
OpenAI Moderation v1 (007)
Sexual > Minors
1.07655E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.3138E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.4
Flesch-Kincaid Ease
62.6
Gunning-Fog Score
11.5
Coleman-Liau Index
11.4
SMOG Index
10.9
Automated Readability Index
10.1
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
23

Joe Biden

I thank the entire panel. Thank you, Mr. Chairman.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.612
Very Positive
Moderation
Hate
0.0686136133
OpenAI Moderation v1 (007)
Violence
0.0423347898
OpenAI Moderation v1 (007)
Harassment
0.0206764031
OpenAI Moderation v1 (007)
Violence > Graphic
0.0147033628
OpenAI Moderation v1 (007)
Self-Harm
0.0057531317
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0033881282
OpenAI Moderation v1 (007)
Sexual
0.0004355933
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001441179
OpenAI Moderation v1 (007)
Sexual > Minors
9.69252E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.09692E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.01068E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.3
Flesch-Kincaid Ease
91
Gunning-Fog Score
1.2
Coleman-Liau Index
9
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
7.2
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

George Gekas

By all means. We now proceed to the testimony of Mr. Hammonds, if he can live up to all of this.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Moderation
Violence > Graphic
0.0917813974
OpenAI Moderation v1 (007)
Violence
0.0823019363
OpenAI Moderation v1 (007)
Hate
0.0245430536
OpenAI Moderation v1 (007)
Harassment
0.0202175317
OpenAI Moderation v1 (007)
Self-Harm
0.0052739764
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016359971
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012777891
OpenAI Moderation v1 (007)
Sexual > Minors
0.0012084232
OpenAI Moderation v1 (007)
Sexual
0.0010635033
OpenAI Moderation v1 (007)
Hate > Threatening
2.31732E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.75108E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.7
Flesch-Kincaid Ease
95
Gunning-Fog Score
4.7
Coleman-Liau Index
4.4
SMOG Index
6.6
Automated Readability Index
0
Dale-Chall Readability Score
3.4
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
4

Bruce Hammonds

I don't know. Thank you, Senator.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
-0.113
Leans Negative
Moderation
Harassment
0.0395804556
OpenAI Moderation v1 (007)
Violence
0.0354741787
OpenAI Moderation v1 (007)
Violence > Graphic
0.0231072248
OpenAI Moderation v1 (007)
Hate
0.0184567252
OpenAI Moderation v1 (007)
Self-Harm
0.0120594093
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0063665611
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0039230265
OpenAI Moderation v1 (007)
Sexual
0.0013021066
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003554083
OpenAI Moderation v1 (007)
Hate > Threatening
9.00515E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.80827E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.3
Flesch-Kincaid Ease
91
Gunning-Fog Score
1.2
Coleman-Liau Index
7.7
SMOG Index
7.3
Automated Readability Index
0
Dale-Chall Readability Score
2.8
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1

Bruce Hammonds

Mr. Chairman and members of the subcommittees, my name is Bruce Hammonds. I'm senior vice chairman and chief operating officer of MBNA America Bank, a national bank, which is the third largest credit card lender in the world. I appreciate the opportunity to appear today before the subcommittees.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.796
Very Positive
Moderation
Violence
0.0274210091
OpenAI Moderation v1 (007)
Violence > Graphic
0.0141581084
OpenAI Moderation v1 (007)
Self-Harm
0.009358325
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0056256966
OpenAI Moderation v1 (007)
Harassment
0.0013581349
OpenAI Moderation v1 (007)
Hate
0.0008629268
OpenAI Moderation v1 (007)
Sexual
0.0006539664
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005892022
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002320399
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001607038
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001441642
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
48.4
Gunning-Fog Score
11.5
Coleman-Liau Index
12
SMOG Index
11.8
Automated Readability Index
8.2
Dale-Chall Readability Score
6.8
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
19

Bruce Hammonds

The skyrocketing rise in consumer bankruptcies has impacted nearly every lender, large and small, in every segment of the lending community. In fact, more than $40 billion in consumer debt, about $400 for each American family, was erased as a result of bankruptcy in 1998. This underscores the fact that while bankruptcy is an important protection for debtors who need it, today's system lacks adequate concern for the great majority of Americans who continue to pay their debts and who ultimately bear the cost of bankruptcy losses in the form of higher prices for goods and services.
Sentiment
Loughran McDonald (Relative)
-0.55556
Very Negative
Loughran McDonald (Absolute)
-0.55556
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.26316
Slightly Negative
Harvard-IV (Absolute)
-0.26316
Slightly Negative
Harvard-IV (Logit)
-0.51083
VADER
0.296
Slightly Positive
Moderation
Violence
0.1224649139
OpenAI Moderation v1 (007)
Violence > Graphic
0.0489724975
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0087020198
OpenAI Moderation v1 (007)
Self-Harm
0.0062047598
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0050366769
OpenAI Moderation v1 (007)
Harassment
0.0036128564
OpenAI Moderation v1 (007)
Sexual
0.0011265107
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006406293
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006329026
OpenAI Moderation v1 (007)
Hate
0.0002236632
OpenAI Moderation v1 (007)
Hate > Threatening
1.58729E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
31

Bruce Hammonds

The current bankruptcy system needlessly harms everyone because of a fundamental flaw: it allows a debtor to discharge debts even if the debtor can repay some or all of those debts. In fact, today, a debtor may discharge his or her debts without ever demonstrating actual need for such relief.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.45455
Negative
Harvard-IV (Absolute)
-0.45455
Negative
Harvard-IV (Logit)
-0.8873
VADER
-0.026
Neutral
Moderation
Violence
0.0254531536
OpenAI Moderation v1 (007)
Violence > Graphic
0.021031138
OpenAI Moderation v1 (007)
Self-Harm
0.0133406778
OpenAI Moderation v1 (007)
Harassment
0.0029904551
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0028452338
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019980323
OpenAI Moderation v1 (007)
Hate
0.0007692331
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000164002
OpenAI Moderation v1 (007)
Sexual
8.57776E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.76091E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.2877E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
44.4
Gunning-Fog Score
16.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.6
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
15

Bruce Hammonds

To address this flaw, the Bankruptcy Code must be amended so that a debtor who needs bankruptcy protection will receive it, but only to the extent of that need. This is essential to ensure fairness for consumers and creditors alike. We believe that a need-based bankruptcy approach of the type contained in H.R. 833 would efficiently and fairly implement the kind of needs-based bankruptcy that is necessary. Such an approach would establish clear, objective standards for determining a debtor's repayment capacity.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
0.04348
Neutral
Harvard-IV (Absolute)
0.04348
Neutral
Harvard-IV (Logit)
0.08338
VADER
0.885
Very Positive
Moderation
Harassment
0.0437052688
OpenAI Moderation v1 (007)
Violence
0.0283821922
OpenAI Moderation v1 (007)
Violence > Graphic
0.0170781233
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0055235356
OpenAI Moderation v1 (007)
Hate
0.0042059844
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0018800738
OpenAI Moderation v1 (007)
Sexual
0.0016959832
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0016947026
OpenAI Moderation v1 (007)
Self-Harm
0.0015993899
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002048542
OpenAI Moderation v1 (007)
Sexual > Minors
8.58032E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
53.6
Gunning-Fog Score
13.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.1
Dale-Chall Readability Score
6.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
31

Bruce Hammonds

These standards are as follows. If the debtor can pay all of his or her secured debt payments, priority debts, and living expenses, and still have sufficient remaining income to repay a portion of unsecured debts, the debtor will be required to enter into a chapter 13 repayment plan. If the debtor cannot repay, the debtor could freely choose to fall under chapter 7. Needs-based bankruptcy also would assign debtors to the appropriate chapter, that is to chapter 7 or to chapter 13 at the start of the bankruptcy case. This would drastically reduce the number of costly and needless disputes that occur in today's system.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.375
Somewhat Negative
Harvard-IV (Absolute)
-0.375
Somewhat Negative
Harvard-IV (Logit)
-0.7376
VADER
-0.273
Slightly Negative
Moderation
Violence
0.0242056922
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0231554586
OpenAI Moderation v1 (007)
Self-Harm
0.0148419538
OpenAI Moderation v1 (007)
Violence > Graphic
0.011883839
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0071522612
OpenAI Moderation v1 (007)
Harassment
0.007033538
OpenAI Moderation v1 (007)
Hate
0.00239005
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0018665822
OpenAI Moderation v1 (007)
Sexual
0.0005686496
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003665639
OpenAI Moderation v1 (007)
Hate > Threatening
8.64641E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
57
Gunning-Fog Score
12.3
Coleman-Liau Index
11.7
SMOG Index
11.3
Automated Readability Index
11.2
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
32

Bruce Hammonds

This brings me to an important point, needs-based bankruptcy would create enormous efficiencies. It would actually reduce the overall cost of consumer bankruptcy by decreasing the litigation and disputes that result from today's system. A needs-based system would largely run itself. The vast majority of cases would move routinely through the system and disputes would be limited to exceptional cases.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
-0.375
Somewhat Negative
Harvard-IV (Absolute)
-0.375
Somewhat Negative
Harvard-IV (Logit)
-0.7376
VADER
-0.035
Neutral
Moderation
Harassment
0.0387752545
OpenAI Moderation v1 (007)
Violence > Graphic
0.0214620726
OpenAI Moderation v1 (007)
Hate
0.0181266092
OpenAI Moderation v1 (007)
Violence
0.014339175
OpenAI Moderation v1 (007)
Self-Harm
0.0010761411
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009351855
OpenAI Moderation v1 (007)
Sexual
0.0003920123
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001537213
OpenAI Moderation v1 (007)
Sexual > Minors
2.77612E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.17419E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.1374E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
39.6
Gunning-Fog Score
15.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.8
Dale-Chall Readability Score
7.1
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
23

Bruce Hammonds

Without systematic needs-based bankruptcy relief, the system will continue to be arbitrary, wasteful, and unfair to the great majority of consumers who pay for the system, but don't use it. Unless this flaw is addressed, controversy about consumer bankruptcy will continue to intensify.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.26826
VADER
0.329
Somewhat Positive
Moderation
Violence
0.0381068239
OpenAI Moderation v1 (007)
Harassment
0.0330394221
OpenAI Moderation v1 (007)
Hate
0.0050058916
OpenAI Moderation v1 (007)
Violence > Graphic
0.002524662
OpenAI Moderation v1 (007)
Self-Harm
0.0015008566
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008113621
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005015032
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002223822
OpenAI Moderation v1 (007)
Sexual
4.98989E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.55458E-5
OpenAI Moderation v1 (007)
Sexual > Minors
8.8758E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
30.7
Gunning-Fog Score
18.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
15

Bruce Hammonds

Finally, I would like to address several myths that you are likely to hear: one, is that the bankruptcy system is not broken. Instead, some say that credit cards are the real cause of the explosion in personal bankruptcies. This claim is absolutely false. The evidence does not support it. More than 96 percent of credit card accounts pay as agreed and only about 1 percent end up in bankruptcy. Bank card debt comprises less than 16 percent of total debt on the average bankruptcy petition. And in 1997, a Federal Reserve Board survey found that credit cards account for a mere 3.7 percent of consumer debt. Obviously, those figures are not large enough to be the cause of the bankruptcy crisis.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.94444
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.124
Leans Negative
Moderation
Harassment
0.012932242
OpenAI Moderation v1 (007)
Violence
0.0094414791
OpenAI Moderation v1 (007)
Violence > Graphic
0.0041007519
OpenAI Moderation v1 (007)
Hate
0.0040862611
OpenAI Moderation v1 (007)
Self-Harm
0.0004567738
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004055255
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002778925
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001135346
OpenAI Moderation v1 (007)
Sexual
8.0634E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.93815E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.7295E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
66.5
Gunning-Fog Score
11
Coleman-Liau Index
10.7
SMOG Index
11.6
Automated Readability Index
7.4
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
30

Bruce Hammonds

Another myth is that lenders are offering credit willy- nilly to people who cannot handle it. Once again, this simply is not true. Card issuers use sophisticated underwriting techniques to ensure that those who receive credit offers have a demonstrated ability and willingness to repay their debts.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.94444
VADER
0.923
Very Positive
Moderation
Harassment
0.0298896251
OpenAI Moderation v1 (007)
Violence
0.0133278998
OpenAI Moderation v1 (007)
Hate
0.0032408912
OpenAI Moderation v1 (007)
Violence > Graphic
0.0022451362
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007477076
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005771232
OpenAI Moderation v1 (007)
Self-Harm
0.0003078515
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001601236
OpenAI Moderation v1 (007)
Sexual
9.22522E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.6259E-6
OpenAI Moderation v1 (007)
Sexual > Minors
5.5809E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
39.7
Gunning-Fog Score
13.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.2
Dale-Chall Readability Score
6.5
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
19

Bruce Hammonds

Let me tell you how we do it at MBNA. When we receive a customer application, we pull a full credit card and do a debt to income analysis. We call back over 20 percent of the customers to obtain additional information. Then an analyst makes a decision to approve or decline the account. If it is approved, a risk rating is applied and often a senior lender sign-off is also required. We believe we are making the right decision every time. In fact, the majority of bankruptcies in our file are on customers who have been with us for more than 3 years.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.202
Slightly Positive
Moderation
Harassment
0.0336278725
OpenAI Moderation v1 (007)
Hate
0.0147484621
OpenAI Moderation v1 (007)
Violence
0.0094952098
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018986086
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0018650466
OpenAI Moderation v1 (007)
Self-Harm
0.0013000532
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006783682
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003035743
OpenAI Moderation v1 (007)
Sexual
7.48327E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.19111E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.2049E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
67.5
Gunning-Fog Score
11.3
Coleman-Liau Index
8.5
SMOG Index
11.3
Automated Readability Index
5.5
Dale-Chall Readability Score
4.4
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
28

Bruce Hammonds

I thank the subcommittees for the opportunity to present these views, and I would be happy to answer any questions you may have.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.84
Very Positive
Moderation
Harassment
0.0530409161
OpenAI Moderation v1 (007)
Violence
0.0055027107
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012458231
OpenAI Moderation v1 (007)
Hate
0.0011541048
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000103731
OpenAI Moderation v1 (007)
Self-Harm
3.58934E-5
OpenAI Moderation v1 (007)
Sexual
9.6373E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.057E-6
OpenAI Moderation v1 (007)
Sexual > Minors
2.2396E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9014E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.97E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.8
Flesch-Kincaid Ease
51.1
Gunning-Fog Score
14.4
Coleman-Liau Index
10.8
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
2.5
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
4

Note

[The prepared statement of Mr. Hammonds follows:] Prepared Statement of Bruce L. Hammonds, Senior Vice Chairman and CEO, MBNA America Bank, N.A., Wilmington, DE
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.684
Very Positive
Moderation
Harassment
0.0035790439
OpenAI Moderation v1 (007)
Violence
0.0028210177
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006236784
OpenAI Moderation v1 (007)
Hate
0.000568661
OpenAI Moderation v1 (007)
Sexual
0.0003297467
OpenAI Moderation v1 (007)
Self-Harm
0.0001339467
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001043722
OpenAI Moderation v1 (007)
Sexual > Minors
2.2146E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.17858E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.22018E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.4907E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.8
Flesch-Kincaid Ease
61.3
Gunning-Fog Score
4
Coleman-Liau Index
12
SMOG Index
8.2
Automated Readability Index
3.3
Dale-Chall Readability Score
10
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
12

Bruce Hammonds

Chairman Gekas, Chairman Grassley and Members of the House and Senate, my name is Bruce L. Hammonds and I am Senior Vice Chairman and Chief Operating Officer of MBNA America Bank, N.A. ("MBNA"), headquartered in Wilmington, Delaware.\1\ My responsibilities include overseeing MBNA's credit, loss prevention, customer satisfaction, consumer finance and loan review activities. I have 29 years of experience in consumer lending, and have been a member of the MBNA management team since 1982. -
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.787
Very Positive
Moderation
Violence
0.0107392763
OpenAI Moderation v1 (007)
Sexual
0.009384688
OpenAI Moderation v1 (007)
Violence > Graphic
0.008112035
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0027441321
OpenAI Moderation v1 (007)
Harassment
0.0012784499
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007332128
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004402993
OpenAI Moderation v1 (007)
Self-Harm
0.0002474106
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.97086E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.35338E-5
OpenAI Moderation v1 (007)
Hate
4.63073E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
49.3
Gunning-Fog Score
10.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
7.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
34

Bruce Hammonds

I appreciate the opportunity to appear today before this joint hearing of the Commercial and Administrative Law Subcommittee of the Committee on the Judiciary, United States House of Representatives, and the Administrative Oversight and the Courts Subcommittee of the Committee on the Judiciary, United States Senate (the "Subcommittees"), to discuss our views on consumer bankruptcy issues. I hope that this statement will be helpful to the Subcommittees in your deliberations on the nature of the consumer bankruptcy reforms that are presently needed. overview
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.941
Very Positive
Moderation
Violence
0.0123650869
OpenAI Moderation v1 (007)
Violence > Graphic
0.0099250254
OpenAI Moderation v1 (007)
Sexual
0.0079859674
OpenAI Moderation v1 (007)
Self-Harm
0.0025804233
OpenAI Moderation v1 (007)
Harassment
0.0011596865
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007356488
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005905473
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001966976
OpenAI Moderation v1 (007)
Hate
3.6987E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.6814E-6
OpenAI Moderation v1 (007)
Hate > Threatening
8.932E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
13.6
Gunning-Fog Score
15.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
30

Bruce Hammonds

Despite an extraordinarily strong economy, personal bankruptcy filings in the U.S. have skyrocketed in recent years. During 1998, an all-time record 1.4 million personal bankruptcy petitions were filed, which represents about one for every 100 households nationwide. By comparison, the number of consumer bankruptcy filings in 1980 totaled 287,570. This means that the number of consumer bankruptcy filings in 1998 represents an increase of nearly 400% since 1980.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-2.19722
VADER
0.302
Somewhat Positive
Moderation
Violence > Graphic
0.0292053126
OpenAI Moderation v1 (007)
Harassment
0.0204602678
OpenAI Moderation v1 (007)
Violence
0.0181482101
OpenAI Moderation v1 (007)
Hate
0.0071755705
OpenAI Moderation v1 (007)
Self-Harm
0.0048983464
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0020432397
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015111181
OpenAI Moderation v1 (007)
Sexual
0.0014198281
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001852016
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.05579E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.36514E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9
Flesch-Kincaid Ease
51.8
Gunning-Fog Score
15.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.9
Dale-Chall Readability Score
6.1
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
20

Bruce Hammonds

These bankruptcy filings generate huge losses. While MBNA's credit card losses have consistently been among the lowest in the business, this precipitous increase in the number of consumer bankruptcy filings has impacted virtually every lender, large and small, in nearly every sector of the credit granting community. In fact, it is estimated that more than $40 billion in consumer debt -- approximately $400 for each American family -- was erased as a result of bankruptcy in 1998. Inevitably, these losses are passed on to all consumers in the form of higher rates and higher prices for goods and services.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
-0.28571
Slightly Negative
Harvard-IV (Absolute)
-0.28571
Slightly Negative
Harvard-IV (Logit)
-0.54654
VADER
-0.477
Negative
Moderation
Violence
0.0093420793
OpenAI Moderation v1 (007)
Violence > Graphic
0.0025044088
OpenAI Moderation v1 (007)
Sexual > Minors
0.0023637132
OpenAI Moderation v1 (007)
Hate
0.0015696074
OpenAI Moderation v1 (007)
Harassment
0.0015330419
OpenAI Moderation v1 (007)
Sexual
0.0013108643
OpenAI Moderation v1 (007)
Self-Harm
0.0011042608
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000804336
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003457027
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.88831E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.5294E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.4
Gunning-Fog Score
18.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
34

Bruce Hammonds

Despite the magnitude of these losses, bankcard issuers and the credit granting community more broadly believe that bankruptcy is an important protection for consumers who are severely overburdened financially. It should be noted, however, that as bankruptcy losses grow, it is those American consumers who continue to pay their debts who ultimately suffer the most because it is they who bear the cost of bankruptcy losses in the form of higher credit prices. Consumers also are harmed by increased bankruptcies when creditors, in an effort to reduce losses, tighten their credit standards and thereby decrease credit availability. As the Congress considers reform of the Federal bankruptcy system, it is critically important to keep in mind the adverse consequences bankruptcy has on the vast majority of consumers who continue to pay their debts. The basic requirements of fairness demand that a balance be restored between the interests of these consumers and the interests of those consumers who need bankruptcy relief. the fundamental flaw
Sentiment
Loughran McDonald (Relative)
-0.88889
Very Negative
Loughran McDonald (Absolute)
-0.88889
Very Negative
Loughran McDonald (Logit)
-2.45674
Harvard-IV (Relative)
0.1
Neutral
Harvard-IV (Absolute)
0.1
Neutral
Harvard-IV (Logit)
0.19574
VADER
-0.077
Neutral
Moderation
Violence > Graphic
0.0059775753
OpenAI Moderation v1 (007)
Violence
0.002804735
OpenAI Moderation v1 (007)
Harassment
0.0014819305
OpenAI Moderation v1 (007)
Self-Harm
0.0006126528
OpenAI Moderation v1 (007)
Hate
0.000494623
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002872561
OpenAI Moderation v1 (007)
Sexual
0.0002260255
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001403396
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001167132
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.8602E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.85E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
30.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
67
Sprache Difficult Word Count
55

Bruce Hammonds

Unfortunately, today's consumer bankruptcy system does not strike that balance. The current bankruptcy system unnecessarily harms consumers and creditors alike because of a fundamental flaw -- it allows a debtor to discharge debts even if the debtor can repay some or all of those debts. In fact, under the current Bankruptcy Code, an individual debtor may obtain a discharge from contractual debt obligations without ever demonstrating actual need for this relief. To put it in context, this means that in 1998 alone, the Federal consumer bankruptcy system provided an estimated $40 billion of relief to debtors without either objective standards or systematic procedures for determining the actual relief needed by debtors.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.27763
VADER
-0.412
Negative
Moderation
Harassment
0.0136525865
OpenAI Moderation v1 (007)
Self-Harm
0.0080751204
OpenAI Moderation v1 (007)
Violence
0.0075731892
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0050053572
OpenAI Moderation v1 (007)
Violence > Graphic
0.0044540513
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0027731041
OpenAI Moderation v1 (007)
Hate
0.0014048963
OpenAI Moderation v1 (007)
Sexual
0.0009295819
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002878705
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.36526E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.47537E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
52
Sprache Difficult Word Count
36

Bruce Hammonds

This flaw undermines not only the integrity of the U.S. bankruptcy system, but also traditional obligations of individual responsibility. Moreover, the current bankruptcy system also fails the debtors it is intended to help, because it provides short-term relief without helping debtors avoid the same financial failure in the future. In short, the lack of objective and systematic procedures for determining debtor relief produces a bankruptcy process which, for both debtors and creditors, is needlessly costly and time consuming. The bottom line is that this flaw must be remedied if the consumer bankruptcy system is to be workable and fair to consumers and creditors alike. fair, effective needs-based bankruptcy reform
Sentiment
Loughran McDonald (Relative)
-0.73333
Very Negative
Loughran McDonald (Absolute)
-0.73333
Very Negative
Loughran McDonald (Logit)
-1.6864
Harvard-IV (Relative)
-0.125
Leans Negative
Harvard-IV (Absolute)
-0.125
Leans Negative
Harvard-IV (Logit)
-0.24362
VADER
0.851
Very Positive
Moderation
Harassment
0.0632746902
OpenAI Moderation v1 (007)
Violence
0.0329137314
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0056004159
OpenAI Moderation v1 (007)
Hate
0.0023897992
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018654095
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005036306
OpenAI Moderation v1 (007)
Self-Harm
0.000457024
OpenAI Moderation v1 (007)
Sexual
0.0001009996
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.12692E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.27572E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.58674E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.7
Gunning-Fog Score
16.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.8
Dale-Chall Readability Score
7.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
50
Sprache Difficult Word Count
40

Bruce Hammonds

To address this flaw, the Bankruptcy Code must be amended so that a debtor who needs bankruptcy protection will receive it, but only to the extent of that need. This approach would match the bankruptcy relief provided by the Code to the debtor's actual need and is essential to ensure fairness for all parties impacted by the bankruptcy process. Bankcard issuers believe that a needs-based approach of the type contained in H.R. 833, a bill introduced by Chairman Gekas and Congressman Boucher with over thirty bi-partisan original co-sponsors, would efficiently and fairly implement the kind of needs-based bankruptcy approach that is necessary. We are joined in our strong support for this reform by representatives of virtually every segment of the consumer credit granting community.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
0.13333
Leans Positive
Harvard-IV (Absolute)
0.13333
Leans Positive
Harvard-IV (Logit)
0.25951
VADER
0.986
Very Positive
Moderation
Violence
0.0042060849
OpenAI Moderation v1 (007)
Self-Harm
0.0012824184
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006479428
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003478368
OpenAI Moderation v1 (007)
Harassment
0.000294089
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001386261
OpenAI Moderation v1 (007)
Hate
0.0001101088
OpenAI Moderation v1 (007)
Harassment > Threatening
4.01268E-5
OpenAI Moderation v1 (007)