Fact
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Senate Floor: CONSUMER BANKRUPTCY REFORM ACT OF 1998
Topics
Entities
Moderation
8 Speakers
Topics
No topics found
Entities
No entities found
Moderation
No moderation found
Speakers
Dick Durbin Dick Durbin said 131 sentences of a total of 491 sentences.
27%
Dick Durbin said 2772 words of a total of 9476 words.
30%
Trent Lott Trent Lott said 169 sentences of a total of 491 sentences.
35%
Trent Lott said 2675 words of a total of 9476 words.
29%
Jon Kyl Jon Kyl said 91 sentences of a total of 491 sentences.
19%
Jon Kyl said 2082 words of a total of 9476 words.
22%
Chuck Grassley Chuck Grassley said 41 sentences of a total of 491 sentences.
9%
Chuck Grassley said 998 words of a total of 9476 words.
11%
Russ Feingold Russ Feingold said 24 sentences of a total of 491 sentences.
5%
Russ Feingold said 438 words of a total of 9476 words.
5%
Carl Levin Carl Levin said 14 sentences of a total of 491 sentences.
3%
Carl Levin said 357 words of a total of 9476 words.
4%
Joe Biden Joe Biden said 2 sentences of a total of 491 sentences.
1%
Joe Biden said 74 words of a total of 9476 words.
1%
The Presiding Officer The Presiding Officer said 16 sentences of a total of 491 sentences.
4%
The Presiding Officer said 69 words of a total of 9476 words.
1%
Full Transcript
Trent Lott
Mr. President, I call for the regular order with respect to the bankruptcy bill.
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
0.477
Positive
Moderation
Violence > Graphic
0.0770128798
OpenAI Moderation v1 (007)
Violence
0.0422375335
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0100746081
OpenAI Moderation v1 (007)
Harassment
0.0090548354
OpenAI Moderation v1 (007)
Hate
0.0014740486
OpenAI Moderation v1 (007)
Sexual
0.0011962781
OpenAI Moderation v1 (007)
Self-Harm
0.0009422254
OpenAI Moderation v1 (007)
Sexual > Minors
0.000164966
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.38819E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.275E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.3002E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.8
Flesch-Kincaid Ease
72.8
Gunning-Fog Score
8.5
Coleman-Liau Index
11.1
SMOG Index
9
Automated Readability Index
3.6
Dale-Chall Readability Score
6
Sprache Readability Score
2
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
6
The Presiding Officer
The PRESIDING OFFICER.
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
0.0064315987
OpenAI Moderation v1 (007)
Violence
0.0056855835
OpenAI Moderation v1 (007)
Harassment
0.0020707792
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020163086
OpenAI Moderation v1 (007)
Hate
0.0009120057
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003828433
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001610501
OpenAI Moderation v1 (007)
Self-Harm
9.31894E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.92576E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.79099E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.459E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6
Flesch-Kincaid Ease
58.3
Gunning-Fog Score
1.4
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
5.2
Dale-Chall Readability Score
2.4
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
4
Trent Lott
Mr. President, I wish to speak on the subject of the bankruptcy bill. The managers of the legislation will be here momentarily.
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)
-0.51083
VADER
0.402
Positive
Moderation
Sexual
0.0041580319
OpenAI Moderation v1 (007)
Violence
0.003033537
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014209606
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011684252
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008259282
OpenAI Moderation v1 (007)
Harassment
0.0005580175
OpenAI Moderation v1 (007)
Hate
0.0001096839
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.9787E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.3114E-6
OpenAI Moderation v1 (007)
Self-Harm
2.0335E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.42E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6
Flesch-Kincaid Ease
64.8
Gunning-Fog Score
10.2
Coleman-Liau Index
11.5
SMOG Index
9.9
Automated Readability Index
4.1
Dale-Chall Readability Score
4
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
8
Trent Lott
I should note that we did call this issue up last Thursday, I believe it was, but we had difficulty in getting to the substance because the Senator from Massachusetts did not want us to get to the substance. He had an amendment he wanted to talk about.
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)
-1.94591
VADER
-0.499
Negative
Moderation
Violence > Graphic
0.0092390204
OpenAI Moderation v1 (007)
Harassment
0.0048067475
OpenAI Moderation v1 (007)
Violence
0.0043467804
OpenAI Moderation v1 (007)
Sexual
0.0020679867
OpenAI Moderation v1 (007)
Hate
0.0010129788
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005926155
OpenAI Moderation v1 (007)
Self-Harm
0.000315807
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001048397
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.11564E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.0668E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.728E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
64.4
Gunning-Fog Score
11.3
Coleman-Liau Index
8.9
SMOG Index
11.3
Automated Readability Index
10.3
Dale-Chall Readability Score
4.5
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
9
Trent Lott
But Senator Grassley and Senator Durbin did make some small statements at the end of the day on Thursday. I thought it was appropriate that we go back to the bankruptcy bill and that they be able to come to the floor and lay out the outline of this legislation and begin to get Members' attention focused on the bankruptcy bill itself.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.382
Somewhat Positive
Moderation
Violence > Graphic
0.0081418802
OpenAI Moderation v1 (007)
Violence
0.0009061737
OpenAI Moderation v1 (007)
Sexual
0.0007478573
OpenAI Moderation v1 (007)
Harassment
0.0004571181
OpenAI Moderation v1 (007)
Harassment > Threatening
8.78319E-5
OpenAI Moderation v1 (007)
Hate
7.93301E-5
OpenAI Moderation v1 (007)
Self-Harm
4.29694E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.76944E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.9719E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.7259E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.77E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53.9
Gunning-Fog Score
16.3
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13
Trent Lott
Before I go to my own discussion about the importance of this bill, I want to report to the Senate that we did just have a bicameral majority leadership meeting, House and Senate leaders sitting down, talking about the people's business. We met for an hour. And while there are many in this city who are talking about the Starr report and how it is to be dealt with and how can it be done in a fair and bipartisan way, we met for an hour and we talked only about those issues that we need to address in the Congress this year.
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
0.586
Very Positive
Moderation
Harassment
0.6807174068
OpenAI Moderation v1 (007)
Violence
0.0143218349
OpenAI Moderation v1 (007)
Violence > Graphic
0.0046047757
OpenAI Moderation v1 (007)
Hate
0.0017102288
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014915192
OpenAI Moderation v1 (007)
Self-Harm
0.0010134
OpenAI Moderation v1 (007)
Sexual
0.0007787846
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002449317
OpenAI Moderation v1 (007)
Sexual > Minors
3.8767E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.8703E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.7928E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
55.4
Gunning-Fog Score
16.1
Coleman-Liau Index
8
SMOG Index
11.3
Automated Readability Index
12
Dale-Chall Readability Score
4.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
21
Trent Lott
We talked about the appropriations bills, and it is important that we get them through the process. We have now had 11 appropriations bills pass the House, 10 pass the Senate. We are trying desperately to get the 11th appropriations bill to begin to move here in the Senate; that is the Interior appropriations bill. So we will only have left in the Senate after Interior, the D.C. appropriations bill, and the Labor, HHS, Education, and other agencies and departments' appropriations bills -- only two. I have urged the appropriators on both sides of the aisle, both sides of the Capitol, to work expeditiously. If we have issues that we just cannot agree on between the two bodies or between the Congress and the White House, set them aside. The important thing is to get the job done.
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)
0.64663
VADER
-0.113
Leans Negative
Moderation
Violence
0.0138971387
OpenAI Moderation v1 (007)
Violence > Graphic
0.006530228
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0035971621
OpenAI Moderation v1 (007)
Harassment
0.0028016288
OpenAI Moderation v1 (007)
Self-Harm
0.001260572
OpenAI Moderation v1 (007)
Sexual
0.0008041634
OpenAI Moderation v1 (007)
Hate
0.0004162911
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003235604
OpenAI Moderation v1 (007)
Sexual > Minors
5.15458E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.80511E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.8615E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
61.3
Gunning-Fog Score
9.9
Coleman-Liau Index
10.7
SMOG Index
11.1
Automated Readability Index
7.4
Dale-Chall Readability Score
4.2
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
27
Trent Lott
We also then talked about the importance of preserving Social Security, but allowing the people to get some of their hard-earned taxes back. Absolutely, before we leave this year, we should pass legislation to eliminate the marriage penalty tax. We should allow for the self-employed deduction. The American people don't really realize it, although I am sure they feel the pinch, the American people are being taxed now at the highest levels in years and years and years. They need some relief. Some of the money that is coming up here now, going into the surplus, certainly should go back to the people.
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
0.85
Very Positive
Moderation
Violence > Graphic
0.0323701155
OpenAI Moderation v1 (007)
Harassment
0.0259716035
OpenAI Moderation v1 (007)
Sexual
0.0081965271
OpenAI Moderation v1 (007)
Violence
0.0071584021
OpenAI Moderation v1 (007)
Hate
0.002776327
OpenAI Moderation v1 (007)
Self-Harm
0.000683076
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002908211
OpenAI Moderation v1 (007)
Sexual > Minors
7.52909E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.27474E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.3556E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.76E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
57.7
Gunning-Fog Score
11.6
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
9.1
Dale-Chall Readability Score
4.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
33
Trent Lott
The administration cannot come up here and say: We want all this extra spending for what we consider emergencies, and that will not count against Social Security, but, by the way, if you allow for some tax cuts for the people who earned it in the first place, oh, by the way, you are taking that out of Social Security. That kind of argument, I don't believe, in this atmosphere, is going to sell this year.
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)
0.36772
VADER
-0.449
Negative
Moderation
Violence > Graphic
0.0122187761
OpenAI Moderation v1 (007)
Violence
0.0071777533
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021404534
OpenAI Moderation v1 (007)
Sexual
0.0018694789
OpenAI Moderation v1 (007)
Harassment
0.0011333932
OpenAI Moderation v1 (007)
Hate
0.0002798816
OpenAI Moderation v1 (007)
Hate > Threatening
0.0002131435
OpenAI Moderation v1 (007)
Self-Harm
0.0001241364
OpenAI Moderation v1 (007)
Sexual > Minors
6.81052E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.43047E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.043E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
51.4
Gunning-Fog Score
17.8
Coleman-Liau Index
8.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
15
Trent Lott
But we talked about the fair way to do tax cuts. We talked about what we might want to do next year in terms of more tax cuts, across-the- board rate cuts next year, and how we can begin to make progress in preserving Social Security.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
0.232
Slightly Positive
Moderation
Harassment
0.0174379806
OpenAI Moderation v1 (007)
Violence
0.0117933603
OpenAI Moderation v1 (007)
Sexual
0.0090283058
OpenAI Moderation v1 (007)
Sexual > Minors
0.0058469363
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032920801
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013903245
OpenAI Moderation v1 (007)
Hate
0.0003298848
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001239762
OpenAI Moderation v1 (007)
Self-Harm
0.0001182406
OpenAI Moderation v1 (007)
Hate > Threatening
4.41196E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.086E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
75
Gunning-Fog Score
10.3
Coleman-Liau Index
7.1
SMOG Index
9
Automated Readability Index
8.7
Dale-Chall Readability Score
3.5
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
9
Trent Lott
We also talked about the importance of keeping our commitment on the balanced budget last year, sticking to the caps. Yes, there may be some real emergencies we will have to address, but other than that, we need to stick to the caps we agreed to. We gave our word 1 year ago, and we ought to stick to it.
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
0.723
Very Positive
Moderation
Violence > Graphic
0.0175104607
OpenAI Moderation v1 (007)
Violence
0.008799888
OpenAI Moderation v1 (007)
Harassment
0.001737515
OpenAI Moderation v1 (007)
Hate
0.0013128235
OpenAI Moderation v1 (007)
Sexual
0.0012285889
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006326497
OpenAI Moderation v1 (007)
Self-Harm
0.0002656136
OpenAI Moderation v1 (007)
Sexual > Minors
8.24004E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.31034E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.30307E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.6839E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
76.6
Gunning-Fog Score
10
Coleman-Liau Index
7.4
SMOG Index
9
Automated Readability Index
7.1
Dale-Chall Readability Score
3.6
Sprache Readability Score
4
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11
Trent Lott
Then we talked about other issues. Higher education -- we have a conference committee meeting this week. Hopefully, they will complete agreement on the conference report on higher education this week -- certainly within the next few days -- so that our children will have access to the colleges -- community colleges and universities all across this country. We will get that done.
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
0.681
Very Positive
Moderation
Violence > Graphic
0.0608680421
OpenAI Moderation v1 (007)
Harassment
0.0451552041
OpenAI Moderation v1 (007)
Violence
0.0264368893
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0112650865
OpenAI Moderation v1 (007)
Hate
0.0074343807
OpenAI Moderation v1 (007)
Sexual
0.0012467157
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001759039
OpenAI Moderation v1 (007)
Sexual > Minors
9.47944E-5
OpenAI Moderation v1 (007)
Self-Harm
7.68201E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.14425E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.125E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
45.6
Gunning-Fog Score
14
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.4
Dale-Chall Readability Score
5.3
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18
Trent Lott
Mr. President, we talked about the importance of this bankruptcy reform. That brings me to this particular issue. This legislation is long overdue. We have a system now in America which encourages people to take bankruptcy and get out of their debts. We have a system that does not take into consideration that small businessman or woman, that furniture store that is run by the husband and the wife. They are trying to make ends meet. They are selling furniture on credit, and people who are supposedly buying that furniture are declaring bankruptcy or just walking away from what they owe and getting out of their debts. We need reform. This is bipartisan. It came out of the committee of jurisdiction by a wide margin.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.05882
Neutral
Harvard-IV (Absolute)
-0.05882
Neutral
Harvard-IV (Logit)
-0.11123
VADER
0.791
Very Positive
Moderation
Violence
0.0146361199
OpenAI Moderation v1 (007)
Sexual
0.009882349
OpenAI Moderation v1 (007)
Harassment
0.0090967485
OpenAI Moderation v1 (007)
Violence > Graphic
0.0060880819
OpenAI Moderation v1 (007)
Hate
0.0051786854
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011408769
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008378584
OpenAI Moderation v1 (007)
Self-Harm
0.0006496109
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001208362
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001089426
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.37205E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.2
Flesch-Kincaid Ease
64
Gunning-Fog Score
10.3
Coleman-Liau Index
11.6
SMOG Index
10.8
Automated Readability Index
6.2
Dale-Chall Readability Score
4.6
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
30
Trent Lott
I know Senator Durbin, Senator Daschle, Senator Grassley on this side, Senator Hatch -- a number of Senators have worked on this legislation. We need to get it done. We are this close to having it go down because Senator Kennedy wants to offer the minimum wage increase to bankruptcy reform. It is not related to bankruptcy reform, but he insists on it being added to this bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
0.202
Slightly Positive
Moderation
Harassment
0.1830747467
OpenAI Moderation v1 (007)
Violence
0.0058149413
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055109293
OpenAI Moderation v1 (007)
Hate
0.0038346792
OpenAI Moderation v1 (007)
Sexual
0.0024618445
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009060579
OpenAI Moderation v1 (007)
Sexual > Minors
8.92227E-5
OpenAI Moderation v1 (007)
Self-Harm
1.32445E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.9514E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.535E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.551E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.4
Flesch-Kincaid Ease
57.3
Gunning-Fog Score
9.7
Coleman-Liau Index
10.6
SMOG Index
12
Automated Readability Index
8.1
Dale-Chall Readability Score
6
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
19
Trent Lott
It is curious to me, why this bill? It could be to any other bill. Oh, no; he wants this one. I suspect it is because he knows that this is a bill that the leadership on both sides would really like to have. But he is willing to take down this very important legislation to be able to offer his minimum wage increase, even though we have had minimum wage increases the last 2 years in a row and I have had store owners, restaurant owners, self-employed individuals who have little small businesses who have come to me and said:
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
0.633
Very Positive
Moderation
Violence
0.0146668142
OpenAI Moderation v1 (007)
Violence > Graphic
0.0064340828
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0030728264
OpenAI Moderation v1 (007)
Harassment
0.002733932
OpenAI Moderation v1 (007)
Sexual
0.0022676071
OpenAI Moderation v1 (007)
Hate
0.000181011
OpenAI Moderation v1 (007)
Sexual > Minors
6.72047E-5
OpenAI Moderation v1 (007)
Self-Harm
4.58849E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.42491E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.3642E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.0425E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
70
Gunning-Fog Score
12.5
Coleman-Liau Index
8.1
SMOG Index
11.7
Automated Readability Index
7.9
Dale-Chall Readability Score
3
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
16
Trent Lott
But here is my attitude. If Senator Kennedy will be reasonable and will agree to a time limit, he can offer his amendment and we will have a vote. But then I think we ought to be able to go on to the bankruptcy bill itself and complete the work with a reasonable time limit and amendments on that.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
0.361
Somewhat Positive
Moderation
Violence
0.3358694026
OpenAI Moderation v1 (007)
Harassment > Threatening
0.1560354256
OpenAI Moderation v1 (007)
Harassment
0.1367610297
OpenAI Moderation v1 (007)
Self-Harm
0.053636072
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0101605321
OpenAI Moderation v1 (007)
Violence > Graphic
0.0048050333
OpenAI Moderation v1 (007)
Hate
0.0027174157
OpenAI Moderation v1 (007)
Hate > Threatening
0.0011659441
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003853179
OpenAI Moderation v1 (007)
Sexual
0.0002318574
OpenAI Moderation v1 (007)
Sexual > Minors
4.26835E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
11.9
Coleman-Liau Index
7.6
SMOG Index
12
Automated Readability Index
7.2
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
13
Trent Lott
Some folks say you always want to limit amendments. If you limit a bill to 15 amendments, that is not what I would call a big limit. And I am not saying 15, but something reasonable so we can get bankruptcy done, so we can come back to Interior appropriations, let the Senator from Wisconsin come back again, you know, have something to say, have another vote on Interior appropriations involving campaign finance reform. But at what point are we going to say, "OK, we played our games"? You have had your votes. We have had our votes on campaign finance reform. We have had votes on bankruptcy reform. We have had votes on national missile defense. We have had all these other votes. But at some point we have to say, "OK, we have dealt with it, we made our point, and we are going to move on the people's business," whether it is the Interior appropriations bill or the next appropriations bill. I understand the plan on the D.C. appropriations bill is to offer a whole series of nonrelevant amendments on that bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.12
Leans Positive
Harvard-IV (Absolute)
0.12
Leans Positive
Harvard-IV (Logit)
0.2318
VADER
0.915
Very Positive
Moderation
Harassment
0.1908872742
OpenAI Moderation v1 (007)
Violence
0.0895284233
OpenAI Moderation v1 (007)
Violence > Graphic
0.0418893324
OpenAI Moderation v1 (007)
Hate
0.0117136951
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0042367039
OpenAI Moderation v1 (007)
Self-Harm
0.0020314403
OpenAI Moderation v1 (007)
Sexual
0.0003699889
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002563682
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001363827
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001342026
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000128181
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.9
Flesch-Kincaid Ease
70.9
Gunning-Fog Score
9.8
Coleman-Liau Index
9.4
SMOG Index
11
Automated Readability Index
5.9
Dale-Chall Readability Score
4
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
39
Sprache Difficult Word Count
29
Trent Lott
When does it end? If we can come to some reasonable agreement on time -- Senator Daschle and I talked last night; Senator Durbin and I talked this morning, Senator Grassley. I said, let's work out something on bankruptcy so that everybody gets a fair shot but we can get this bill done.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
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
0.412
Positive
Moderation
Violence
0.0110183355
OpenAI Moderation v1 (007)
Harassment
0.0070073685
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0029161427
OpenAI Moderation v1 (007)
Sexual
0.0021066668
OpenAI Moderation v1 (007)
Hate
0.0003359148
OpenAI Moderation v1 (007)
Violence > Graphic
0.000272984
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002260859
OpenAI Moderation v1 (007)
Hate > Threatening
4.47177E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.2152E-6
OpenAI Moderation v1 (007)
Self-Harm
3.2982E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.571E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
64
Gunning-Fog Score
10.8
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
7.6
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
10
Trent Lott
I will yield to the Senator if he has a question or comment.
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
Neutral
Moderation
Harassment
0.0817892258
OpenAI Moderation v1 (007)
Violence
0.0143601093
OpenAI Moderation v1 (007)
Sexual
0.0119371958
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0071740033
OpenAI Moderation v1 (007)
Violence > Graphic
0.0009481891
OpenAI Moderation v1 (007)
Hate
0.0007447392
OpenAI Moderation v1 (007)
Hate > Threatening
0.0003464688
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002430704
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.84926E-5
OpenAI Moderation v1 (007)
Self-Harm
1.71545E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.632E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4.9
Flesch-Kincaid Ease
83
Gunning-Fog Score
5.2
Coleman-Liau Index
5.5
SMOG Index
9
Automated Readability Index
2.1
Dale-Chall Readability Score
4.3
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Russ Feingold
I appreciate the comment. Let me indicate, as I indicated before, if the process of debating campaign finance reform would ever be permitted to involve the normal amending process, without even insisting on giving up the right to filibuster, that that is the critical element, because without that, we are not in a position here to do what was done in the House where there was a lot of debate over many months, but they were able to offer amendments. Here, as soon as we won on the Snowe-Jeffords amendment, it was over, there were no more amendments. This has happened three times now.
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)
0.64663
VADER
0.631
Very Positive
Moderation
Violence
0.0303023378
OpenAI Moderation v1 (007)
Harassment
0.0107659354
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0082215294
OpenAI Moderation v1 (007)
Hate
0.0057844063
OpenAI Moderation v1 (007)
Violence > Graphic
0.0040947023
OpenAI Moderation v1 (007)
Sexual
0.000422725
OpenAI Moderation v1 (007)
Self-Harm
0.0002322808
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001118952
OpenAI Moderation v1 (007)
Hate > Threatening
7.35488E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.6872E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.3689E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.1
Gunning-Fog Score
15.5
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
25
Trent Lott
I had an amendment on paycheck equity. If we add paycheck equity to the 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)
1.60944
VADER
0
Neutral
Moderation
Harassment > Threatening
0.0251832826
OpenAI Moderation v1 (007)
Violence
0.0184203876
OpenAI Moderation v1 (007)
Harassment
0.0075932992
OpenAI Moderation v1 (007)
Hate
0.0016322647
OpenAI Moderation v1 (007)
Violence > Graphic
0.001612798
OpenAI Moderation v1 (007)
Sexual
0.0008216452
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000377087
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003027792
OpenAI Moderation v1 (007)
Self-Harm
0.0002562352
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001190159
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.1951E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
58.2
Gunning-Fog Score
11
Coleman-Liau Index
8.1
SMOG Index
10.3
Automated Readability Index
1.5
Dale-Chall Readability Score
5.6
Sprache Readability Score
1.9
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
4
Russ Feingold
Which we debated.
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 > Graphic
0.0136752817
OpenAI Moderation v1 (007)
Violence
0.004058854
OpenAI Moderation v1 (007)
Sexual
0.0024683328
OpenAI Moderation v1 (007)
Hate
0.0006341599
OpenAI Moderation v1 (007)
Self-Harm
0.0003430249
OpenAI Moderation v1 (007)
Harassment
0.000318628
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002629062
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000147236
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.98546E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.0911E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.545E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.2
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
14.5
Coleman-Liau Index
11.6
SMOG Index
9
Automated Readability Index
2.1
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
Trent Lott
I would be much more inclined to favorably consider this legislation. For labor union members to have their dues taken from them and used for political purposes without their permission, I think that is a very, very critical point. That is part of what I am talking about. This bill is not balanced. It tilts the scale very definitely to your side of the aisle. Where is the fairness?
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
0.462
Positive
Moderation
Sexual
0.0028188664
OpenAI Moderation v1 (007)
Violence
0.0025528798
OpenAI Moderation v1 (007)
Harassment
0.0016435
OpenAI Moderation v1 (007)
Violence > Graphic
0.0016164764
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009959037
OpenAI Moderation v1 (007)
Self-Harm
0.0003747546
OpenAI Moderation v1 (007)
Hate
0.0002918059
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001686286
OpenAI Moderation v1 (007)
Hate > Threatening
9.56772E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.78977E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.05509E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.9
Flesch-Kincaid Ease
66.4
Gunning-Fog Score
9.8
Coleman-Liau Index
10.5
SMOG Index
10.3
Automated Readability Index
5.3
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
22
Russ Feingold
I say to the leader, that is what the amendment process is for. Your amendment came up and, quite frankly, didn't prevail. Our amendment came up and did prevail, and there were many other amendments and we just stopped. I recognize there may be another version of the Paycheck Protection Act that may prevail. My problem is that it stopped at that point, and that is not the normal procedure. That is what I am asking for, that everybody do their amendments, and at the end of the day, I know, unless you change your mind -- and I recognize you don't need to -- that we still need 60 votes, but to have the amendments, to have everybody's ideas presented and voted on, is what we are asking for here.
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
-0.412
Negative
Moderation
Harassment
0.0174123765
OpenAI Moderation v1 (007)
Violence
0.0105177525
OpenAI Moderation v1 (007)
Hate
0.0018401623
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014722322
OpenAI Moderation v1 (007)
Sexual
0.0007585577
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004428184
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004054555
OpenAI Moderation v1 (007)
Hate > Threatening
8.16727E-5
OpenAI Moderation v1 (007)
Self-Harm
4.3507E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.36469E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.585E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
67.6
Gunning-Fog Score
12.9
Coleman-Liau Index
9
SMOG Index
12
Automated Readability Index
9.1
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
19
Trent Lott
Mr. President, I might say, the Senator from Wisconsin said, "Well, we realize in the end we may not have 60 votes." In fact, some of the amendments that I would offer you would likely wind up being filibustered. You would. I have a long list of really interesting amendments that I don't think you would particularly like, but I like them a whole lot. So here is my point.
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
0.797
Very Positive
Moderation
Violence
0.0062727726
OpenAI Moderation v1 (007)
Harassment
0.0058592432
OpenAI Moderation v1 (007)
Violence > Graphic
0.0036881567
OpenAI Moderation v1 (007)
Hate
0.0035042496
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032070777
OpenAI Moderation v1 (007)
Sexual
0.0021544696
OpenAI Moderation v1 (007)
Hate > Threatening
2.94275E-5
OpenAI Moderation v1 (007)
Self-Harm
2.02927E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.87093E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.6932E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.604E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5
Flesch-Kincaid Ease
80.2
Gunning-Fog Score
8.7
Coleman-Liau Index
8.3
SMOG Index
10.3
Automated Readability Index
3.7
Dale-Chall Readability Score
2.6
Sprache Readability Score
3.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
13
Russ Feingold
Mr. President, I say to the leader, I would be happy to try that process. We tried the poison pill, and it didn't work.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
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
0.052
Neutral
Moderation
Harassment
0.0054192431
OpenAI Moderation v1 (007)
Violence > Graphic
0.0020910164
OpenAI Moderation v1 (007)
Violence
0.0015506099
OpenAI Moderation v1 (007)
Sexual
0.0006328911
OpenAI Moderation v1 (007)
Hate
0.0004434574
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.1676E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.9113E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
4.7521E-5
OpenAI Moderation v1 (007)
Self-Harm
3.28994E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.58043E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.10583E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
2.3
Flesch-Kincaid Ease
93
Gunning-Fog Score
3.2
Coleman-Liau Index
6
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
2.4
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
7
Trent Lott
Poison pill. These are not poison pills. They are very legitimate amendments. But here is the point: You acknowledge that at some point you have to have 60 votes. We went through this last year. It derailed the highway bill. We didn't get 60 votes. It came back this year, in an effort to be fair, to see if something had changed. We had votes. It got 52 votes. Then the argument was made, "Well, gee, the House voted on a different bill, by the way, and things maybe have changed." We voted again. Things haven't changed.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.55556
Very Negative
Harvard-IV (Absolute)
-0.55556
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
-0.505
Very Negative
Moderation
Violence
0.0122233323
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0050605031
OpenAI Moderation v1 (007)
Violence > Graphic
0.0045245644
OpenAI Moderation v1 (007)
Self-Harm
0.0017876957
OpenAI Moderation v1 (007)
Sexual
0.001706166
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013070395
OpenAI Moderation v1 (007)
Harassment
0.0004911325
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003444886
OpenAI Moderation v1 (007)
Hate
0.0003076543
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001165098
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.49279E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.8
Flesch-Kincaid Ease
95.5
Gunning-Fog Score
5.5
Coleman-Liau Index
8.1
SMOG Index
7.1
Automated Readability Index
1.5
Dale-Chall Readability Score
2.3
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
15
Trent Lott
How many times do we have to go through that exercise? The day will come when maybe really we can work in a bipartisan way on a bill that is fair to all concerned and we will maybe be able to bring it to a conclusion. I won't say that day won't come. I think it will, actually. The question is, When will that be and what will it be? And I am going to work on that.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
0.394
Somewhat Positive
Moderation
Violence > Graphic
0.0458267052
OpenAI Moderation v1 (007)
Sexual
0.005369059
OpenAI Moderation v1 (007)
Violence
0.0047611404
OpenAI Moderation v1 (007)
Harassment
0.0026200507
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003768756
OpenAI Moderation v1 (007)
Self-Harm
0.0001976513
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001798987
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.18603E-5
OpenAI Moderation v1 (007)
Hate
4.10138E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.6163E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.576E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.9
Flesch-Kincaid Ease
90.6
Gunning-Fog Score
7.8
Coleman-Liau Index
5.2
SMOG Index
8.5
Automated Readability Index
1.9
Dale-Chall Readability Score
1.7
Sprache Readability Score
3
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
9
Russ Feingold
I say to the leader, you have been enormously courteous. I want to make one more remark.
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
0.63
Very Positive
Moderation
Violence
0.0057076017
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055225555
OpenAI Moderation v1 (007)
Harassment
0.0020731462
OpenAI Moderation v1 (007)
Sexual
0.0014357083
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004157662
OpenAI Moderation v1 (007)
Hate
0.0003284158
OpenAI Moderation v1 (007)
Self-Harm
0.0001204419
OpenAI Moderation v1 (007)
Sexual > Minors
9.42638E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.33591E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.29144E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.9642E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.7
Flesch-Kincaid Ease
83.7
Gunning-Fog Score
5.8
Coleman-Liau Index
8.1
SMOG Index
7.3
Automated Readability Index
1.9
Dale-Chall Readability Score
3.2
Sprache Readability Score
2
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Trent Lott
I yield for one more comment.
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
0.0184569741
OpenAI Moderation v1 (007)
Violence > Graphic
0.004878706
OpenAI Moderation v1 (007)
Sexual
0.004037498
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0016660348
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006787292
OpenAI Moderation v1 (007)
Harassment
0.0004612902
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001222114
OpenAI Moderation v1 (007)
Self-Harm
8.97398E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.17515E-5
OpenAI Moderation v1 (007)
Hate
5.14836E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.03711E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
0.5
Flesch-Kincaid Ease
100
Gunning-Fog Score
2.4
Coleman-Liau Index
6.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
5.6
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2
Russ Feingold
I think it is essential for the country that this process -- and I realize it is a difficult one -- be completed this year because of the danger of what will happen in the year 2000 election. We cannot let another 2-year cycle begin with the corruption that already existed in the 1996 elections and the problems with this year's elections to not finish the job in whatever form it is, however we can reach a consensus. You and I know we reached a consensus on the gift ban. We sat down in a room, and we worked it out.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.09091
Neutral
Harvard-IV (Absolute)
0.09091
Neutral
Harvard-IV (Logit)
0.16705
VADER
-0.832
Very Negative
Moderation
Violence
0.0028818946
OpenAI Moderation v1 (007)
Sexual
0.0015748912
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008295785
OpenAI Moderation v1 (007)
Harassment
0.0006136942
OpenAI Moderation v1 (007)
Violence > Graphic
0.0002415229
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002187153
OpenAI Moderation v1 (007)
Hate
0.0001157274
OpenAI Moderation v1 (007)
Hate > Threatening
4.44303E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.54964E-5
OpenAI Moderation v1 (007)
Self-Harm
1.44019E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.1E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
63.9
Gunning-Fog Score
16
Coleman-Liau Index
7.6
SMOG Index
12
Automated Readability Index
9.8
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
18
Trent Lott
If the Senator will recall, you were in the room, Senator Levin and I were in the room, and we made it work.
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
0.0487571902
OpenAI Moderation v1 (007)
Violence
0.0367517379
OpenAI Moderation v1 (007)
Sexual
0.014739114
OpenAI Moderation v1 (007)
Harassment
0.007302851
OpenAI Moderation v1 (007)
Hate
0.005046451
OpenAI Moderation v1 (007)
Sexual > Minors
0.0024519008
OpenAI Moderation v1 (007)
Hate > Threatening
0.0013788462
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004250721
OpenAI Moderation v1 (007)
Self-Harm
0.0004238549
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.77428E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.2192E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.3
Flesch-Kincaid Ease
76.8
Gunning-Fog Score
9.2
Coleman-Liau Index
5.2
SMOG Index
11.3
Automated Readability Index
6.9
Dale-Chall Readability Score
3.9
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
3
Russ Feingold
That is what I just indicated. When we sat down, we made it work. I suggest and make my plea to you: Let's sit down and try to work out something so that we can accomplish something in this regard to make the year 2000 elections look something better and different than the mess in 1996. That is my plea.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.36772
VADER
0.494
Positive
Moderation
Violence
0.4601612687
OpenAI Moderation v1 (007)
Harassment > Threatening
0.1793481992
OpenAI Moderation v1 (007)
Violence > Graphic
0.1425444614
OpenAI Moderation v1 (007)
Sexual
0.0194062668
OpenAI Moderation v1 (007)
Harassment
0.0193566288
OpenAI Moderation v1 (007)
Hate
0.0094706957
OpenAI Moderation v1 (007)
Self-Harm
0.003285785
OpenAI Moderation v1 (007)
Hate > Threatening
0.0020290337
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011885591
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.04716E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.9818E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.4
Flesch-Kincaid Ease
83
Gunning-Fog Score
10.7
Coleman-Liau Index
6.8
SMOG Index
10.8
Automated Readability Index
4.1
Dale-Chall Readability Score
2.8
Sprache Readability Score
3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
7
Trent Lott
Mr. President, I say to the Senator from Wisconsin, I appreciate your courtesy. You have always been courteous. You have always been very reasonable in the way you have approached everything around here. Maybe the day will come when we will be able to sit down and agree on something. I don't see it at this point. I think the timing is wrong. After all, 2000 is still 2 years off. You have 1999. We will see where we can wind up.
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)
0.95551
VADER
0.785
Very Positive
Moderation
Violence
0.4601612687
OpenAI Moderation v1 (007)
Harassment > Threatening
0.179348106
OpenAI Moderation v1 (007)
Violence > Graphic
0.1425443799
OpenAI Moderation v1 (007)
Sexual
0.0194062668
OpenAI Moderation v1 (007)
Harassment
0.0193566288
OpenAI Moderation v1 (007)
Hate
0.0094706957
OpenAI Moderation v1 (007)
Self-Harm
0.0032857883
OpenAI Moderation v1 (007)
Hate > Threatening
0.0020290317
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011885591
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.04716E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.9818E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.1
Flesch-Kincaid Ease
87.1
Gunning-Fog Score
5.7
Coleman-Liau Index
7.6
SMOG Index
8
Automated Readability Index
1.4
Dale-Chall Readability Score
2.3
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11
Trent Lott
For now, I want to focus our attention on the bankruptcy bill itself. I see that Senator Daschle is here. I noted in his absence that we have Senators on both sides now trying to work out an agreement. I hope we can make some progress on that this afternoon or tonight and that we will go forward with the substance. I understand Senator Grassley and Senator Durbin will be coming over to, in effect, do their opening statements which they didn't really get to do last Thursday night. We will let them begin the bankruptcy bill while we see if we can work something out.
Sentiment
Loughran McDonald (Relative)
-0.2
Slightly Negative
Loughran McDonald (Absolute)
-0.2
Slightly Negative
Loughran McDonald (Logit)
-0.33647
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.37949
VADER
0.848
Very Positive
Moderation
Violence > Graphic
0.0169912571
OpenAI Moderation v1 (007)
Sexual
0.0161883188
OpenAI Moderation v1 (007)
Violence
0.0029569441
OpenAI Moderation v1 (007)
Harassment
0.0027002861
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002914544
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001671312
OpenAI Moderation v1 (007)
Hate
9.21621E-5
OpenAI Moderation v1 (007)
Self-Harm
8.42476E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.5528E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.49404E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.6786E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
69.2
Gunning-Fog Score
10.5
Coleman-Liau Index
9.5
SMOG Index
11.7
Automated Readability Index
7.6
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
24
Trent Lott
For Senators who may not be aware of it, I said last night while we filed cloture, it is my hope that we can work out an agreement, and we can vitiate that cloture vote tomorrow. But we do need to get something worked out so we won't have to go to cloture, because I think if we do have another cloture vote and it doesn't prevail, we really have to go on. I can't stand up here and say we need to go to Interior appropriations and then stay on bankruptcy beyond a reasonable period of time. But I think it is possible, because I know there is a lot of support on both sides of the aisle.
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
0.832
Very Positive
Moderation
Harassment
0.057036354
OpenAI Moderation v1 (007)
Violence
0.0199182556
OpenAI Moderation v1 (007)
Violence > Graphic
0.0144622245
OpenAI Moderation v1 (007)
Hate
0.0046045825
OpenAI Moderation v1 (007)
Self-Harm
0.0045524896
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0029511917
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0029233292
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003536147
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002046775
OpenAI Moderation v1 (007)
Hate > Threatening
9.84477E-5
OpenAI Moderation v1 (007)
Sexual
7.87651E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.7
Flesch-Kincaid Ease
64.3
Gunning-Fog Score
15.3
Coleman-Liau Index
6.8
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
21
Trent Lott
With that, Mr. President, I just want to say I will be working with Senator Daschle to see if we can work this out, and I suggest the absence of a quorum.
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
0.077
Neutral
Moderation
Harassment
0.2885897178
OpenAI Moderation v1 (007)
Violence
0.0224840434
OpenAI Moderation v1 (007)
Violence > Graphic
0.0131152687
OpenAI Moderation v1 (007)
Hate
0.0088112822
OpenAI Moderation v1 (007)
Self-Harm
0.0022980963
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012138171
OpenAI Moderation v1 (007)
Sexual
0.0002105653
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001818519
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001704542
OpenAI Moderation v1 (007)
Sexual > Minors
1.30251E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.1886E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.4
Flesch-Kincaid Ease
84.8
Gunning-Fog Score
6.4
Coleman-Liau Index
5.9
SMOG Index
7.3
Automated Readability Index
3.9
Dale-Chall Readability Score
4.7
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
8
The Presiding Officer
The PRESIDING OFFICER.
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
0.0280647015
OpenAI Moderation v1 (007)
Violence > Graphic
0.0161235701
OpenAI Moderation v1 (007)
Violence
0.0072714342
OpenAI Moderation v1 (007)
Self-Harm
0.0029492108
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019726733
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0017281074
OpenAI Moderation v1 (007)
Hate
0.0014180582
OpenAI Moderation v1 (007)
Sexual
0.0006266062
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001766057
OpenAI Moderation v1 (007)
Sexual > Minors
3.45167E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.12078E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.2
Flesch-Kincaid Ease
80.1
Gunning-Fog Score
1.8
Coleman-Liau Index
11.6
SMOG Index
9
Automated Readability Index
2.8
Dale-Chall Readability Score
2
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
3
Carl Levin
Will the Senator withhold that for one moment so I can add one comment?
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
0.0423095917
OpenAI Moderation v1 (007)
Violence > Graphic
0.0413275702
OpenAI Moderation v1 (007)
Harassment
0.0061611398
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0045621982
OpenAI Moderation v1 (007)
Sexual
0.0018506758
OpenAI Moderation v1 (007)
Self-Harm
0.0014389322
OpenAI Moderation v1 (007)
Hate
0.0010581696
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006907694
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003032253
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.95265E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.18837E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.9
Flesch-Kincaid Ease
77.8
Gunning-Fog Score
5.6
Coleman-Liau Index
8.2
SMOG Index
9
Automated Readability Index
4.7
Dale-Chall Readability Score
4.1
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3
Trent Lott
I ask the quorum call be withheld, and I yield to the Senator from Michigan for a question.
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
Neutral
Moderation
Violence
0.085780787
OpenAI Moderation v1 (007)
Harassment
0.0193553729
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0033473763
OpenAI Moderation v1 (007)
Violence > Graphic
0.0022613143
OpenAI Moderation v1 (007)
Self-Harm
0.0016393411
OpenAI Moderation v1 (007)
Sexual
0.0015456049
OpenAI Moderation v1 (007)
Hate
0.0009169541
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002992948
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001556725
OpenAI Moderation v1 (007)
Hate > Threatening
2.58583E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.20723E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
71.1
Gunning-Fog Score
7.2
Coleman-Liau Index
7.7
SMOG Index
11.3
Automated Readability Index
6.4
Dale-Chall Readability Score
5.3
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
6
Carl Levin
Well, just for one brief comment, if I might, to the majority leader. I thank him for his comments. When the proponents of civil rights legislation were faced with a filibuster, they didn't succeed the first time to get the necessary votes, which I think then was two-thirds. They didn't withdraw the civil rights bill. Because they felt it was so important to the Nation that we pass that legislation, they decided that the filibuster, which is their right under the rules -- it is not required that people who offer a bill or an amendment withdraw their amendment or their bill just because they are being filibustered.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.8
Very Positive
Harvard-IV (Absolute)
0.8
Very Positive
Harvard-IV (Logit)
1.84583
VADER
0.451
Positive
Moderation
Violence
0.0205333388
OpenAI Moderation v1 (007)
Harassment
0.0045055851
OpenAI Moderation v1 (007)
Violence > Graphic
0.002928536
OpenAI Moderation v1 (007)
Self-Harm
0.0017586248
OpenAI Moderation v1 (007)
Hate
0.0015166996
OpenAI Moderation v1 (007)
Sexual
0.0006264437
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004491886
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002815793
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.28728E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.01895E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.30573E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10
Flesch-Kincaid Ease
61.9
Gunning-Fog Score
13.1
Coleman-Liau Index
11.3
SMOG Index
12
Automated Readability Index
11
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
21
Carl Levin
The situation here is that there is a bipartisan group, a majority, who feel very, very strongly that this is a transcendent issue, that this is an issue which cuts across so many other issues, that the soft money loophole has undermined public confidence in a significant way in our elections.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.466
Positive
Moderation
Violence
0.0085999665
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0046608435
OpenAI Moderation v1 (007)
Violence > Graphic
0.0028098832
OpenAI Moderation v1 (007)
Harassment
0.002590698
OpenAI Moderation v1 (007)
Sexual
0.0007051281
OpenAI Moderation v1 (007)
Self-Harm
0.0005425281
OpenAI Moderation v1 (007)
Hate
0.0002370872
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001521611
OpenAI Moderation v1 (007)
Sexual > Minors
3.76428E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2472E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.9519E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
15.7
Gunning-Fog Score
19
Coleman-Liau Index
11.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13
Carl Levin
I think it is important that everybody be straight with each other, and I think you have been straight with us and we have been straight with you. Senator McCain and Senator Feingold have worked on a bipartisan basis in a way which is really important for the Nation.
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
0.762
Very Positive
Moderation
Self-Harm
0.0026058822
OpenAI Moderation v1 (007)
Violence > Graphic
0.001995439
OpenAI Moderation v1 (007)
Violence
0.0019571149
OpenAI Moderation v1 (007)
Hate
0.0016494338
OpenAI Moderation v1 (007)
Harassment
0.0012564373
OpenAI Moderation v1 (007)
Sexual
0.0012487184
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006210934
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000434088
OpenAI Moderation v1 (007)
Sexual > Minors
6.73387E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.38942E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.7017E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
59.4
Gunning-Fog Score
14.7
Coleman-Liau Index
10.2
SMOG Index
12
Automated Readability Index
11.6
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
9
Carl Levin
It is important that everybody understand that this amendment will be reoffered on the next appropriations bill because of the seriousness with which it is held on a bipartisan basis, and then folks who want to filibuster have that right, but folks who don't want to help that filibuster succeed also have rights to reoffer it. Those are the rights which will clash. That is why we are here to do this in a civil way. The majority leader has always been civil in his dealings on this issue, as on all other issues.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.83333
Very Positive
Harvard-IV (Absolute)
0.83333
Very Positive
Harvard-IV (Logit)
2.03688
VADER
0.596
Very Positive
Moderation
Violence
0.004121727
OpenAI Moderation v1 (007)
Sexual
0.0036015492
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017463628
OpenAI Moderation v1 (007)
Harassment
0.0016794715
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003462653
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003211242
OpenAI Moderation v1 (007)
Self-Harm
2.64393E-5
OpenAI Moderation v1 (007)
Hate
1.64651E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.6524E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.1243E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.51E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
57.9
Gunning-Fog Score
14.5
Coleman-Liau Index
10.1
SMOG Index
12
Automated Readability Index
11
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
19
Carl Levin
I want to add both the statement that I have made and also to be very clear and be very straight with the leadership as to what the intent is, which is to reoffer this amendment on the next appropriations 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)
1.60944
VADER
0.652
Very Positive
Moderation
Violence
0.0385207386
OpenAI Moderation v1 (007)
Violence > Graphic
0.0175400695
OpenAI Moderation v1 (007)
Harassment
0.0044430897
OpenAI Moderation v1 (007)
Hate
0.0007865194
OpenAI Moderation v1 (007)
Sexual
0.0006364895
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001226453
OpenAI Moderation v1 (007)
Self-Harm
7.87005E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.00888E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.0938E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.1689E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.147E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
49.7
Gunning-Fog Score
19
Coleman-Liau Index
8.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Trent Lott
Mr. President, if I might just respond briefly, obviously, Senators are entitled to offer amendments, and then other Senators are entitled to offer second-degree amendments. The Senator knows very well that cloture votes and filibusters are an important part of this institution. You may not like it, depending on which end you are on on that subject, whether you are on the receiving end, but it is there and it is an honored and a time-preserved process we use around here.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0.847
Very Positive
Moderation
Violence
0.0047051846
OpenAI Moderation v1 (007)
Violence > Graphic
0.0011541225
OpenAI Moderation v1 (007)
Harassment
0.000769167
OpenAI Moderation v1 (007)
Sexual
0.0003951953
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003285617
OpenAI Moderation v1 (007)
Self-Harm
0.0003007485
OpenAI Moderation v1 (007)
Hate
0.0002177384
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.94064E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.0039E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.0265E-6
OpenAI Moderation v1 (007)
Hate > Threatening
9.091E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
56.3
Gunning-Fog Score
13.1
Coleman-Liau Index
11.3
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
5.2
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
20
Trent Lott
Also, the Senate sometimes works on an issue for years -- years -- before you get a consensus. I worked on telecommunications for 10 years. This year, and we got very little credit for it, but this year we passed the Workplace Development Act, a consolidation of job training programs. We worked on it for 3 years. We failed at the end of the last Congress to pull it out. We finally got it done, sent it over to the President, and because everything else was going on, it didn't even receive any notice. Sometimes consensus takes time.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.78846
VADER
-0.564
Very Negative
Moderation
Violence > Graphic
0.0810699828
OpenAI Moderation v1 (007)
Violence
0.0496849359
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.024832075
OpenAI Moderation v1 (007)
Self-Harm
0.0224868723
OpenAI Moderation v1 (007)
Harassment
0.0040768653
OpenAI Moderation v1 (007)
Hate
0.0030738847
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019021951
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003399331
OpenAI Moderation v1 (007)
Sexual
0.0001792051
OpenAI Moderation v1 (007)
Sexual > Minors
2.95976E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.16684E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7
Flesch-Kincaid Ease
69.5
Gunning-Fog Score
8.8
Coleman-Liau Index
9.8
SMOG Index
9.7
Automated Readability Index
5.9
Dale-Chall Readability Score
3.5
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18
Trent Lott
Also, I have watched the Senate over a period of years on a number of issues, sometimes when Republicans were pushing them; sometimes when Democrats were pushing them. You reach a point where you say, "I made my point for now; I'll be back, but now we are going to go on and do our business." We have 19 days left, assuming we are going to try to go out October 9, 19 days left in this session.
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)
-2.3979
VADER
0.052
Neutral
Moderation
Violence
0.1218472375
OpenAI Moderation v1 (007)
Self-Harm
0.111845939
OpenAI Moderation v1 (007)
Violence > Graphic
0.035815619
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0352556555
OpenAI Moderation v1 (007)
Harassment
0.0233404513
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.014225622
OpenAI Moderation v1 (007)
Hate
0.0070650654
OpenAI Moderation v1 (007)
Sexual
0.0002226744
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001493377
OpenAI Moderation v1 (007)
Sexual > Minors
3.04699E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.7659E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.8
Flesch-Kincaid Ease
70.9
Gunning-Fog Score
13
Coleman-Liau Index
6.7
SMOG Index
12
Automated Readability Index
9.6
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
13
Trent Lott
We still have important work to do, including a lot of bills on the issues that we agree on in a bipartisan way, and with only 19 days to accomplish them.
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)
1.60944
VADER
0.727
Very Positive
Moderation
Violence
0.0752137683
OpenAI Moderation v1 (007)
Violence > Graphic
0.0226364878
OpenAI Moderation v1 (007)
Harassment
0.0072246279
OpenAI Moderation v1 (007)
Self-Harm
0.0066450608
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0064593929
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0026721435
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004823286
OpenAI Moderation v1 (007)
Sexual
0.0003795566
OpenAI Moderation v1 (007)
Hate
0.0002339633
OpenAI Moderation v1 (007)
Sexual > Minors
5.10606E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.64528E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
60.8
Gunning-Fog Score
17.6
Coleman-Liau Index
6.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
3.6
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6
Trent Lott
The Senator has his rights, but as majority leader and in the leadership we have to try to find a way to have those votes, but then to move on. So I am sure you understand. I understand where you might have to come from, and I hope you will understand what I would have to do under those conditions to try to keep the focus.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.78846
VADER
0.803
Very Positive
Moderation
Harassment
0.0818652508
OpenAI Moderation v1 (007)
Self-Harm
0.0136555158
OpenAI Moderation v1 (007)
Sexual
0.0133200854
OpenAI Moderation v1 (007)
Violence
0.0133187787
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0087323613
OpenAI Moderation v1 (007)
Hate
0.0071753449
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0041483167
OpenAI Moderation v1 (007)
Violence > Graphic
0.0037130256
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0024696608
OpenAI Moderation v1 (007)
Sexual > Minors
0.0009621366
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001554931
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
76.8
Gunning-Fog Score
12.4
Coleman-Liau Index
6.8
SMOG Index
12
Automated Readability Index
7.6
Dale-Chall Readability Score
2.3
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
9
Trent Lott
But the next 19 days are not going to be easy under the best of conditions. The Senate is expected to show decorum and restraint and dignity, and I know we are going to do that. We also have to reach out across the aisle and say, "Can we find a way to work through these bills?" I think the people will be watching us. We have to do a little preening. You have to make your positions clear, we have to make our positions clear, and then at some point we have to come together. We will not necessarily agree at the beginning on what the solution is to agriculture in America. But it is very important in South Dakota and in Ohio and Mississippi and all over this country. But at some point we are going to come together because this is a problem, a real problem, and we can find a solution.
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)
1.03609
VADER
0.949
Very Positive
Moderation
Violence > Graphic
0.0045638211
OpenAI Moderation v1 (007)
Violence
0.0022335125
OpenAI Moderation v1 (007)
Self-Harm
0.0011387356
OpenAI Moderation v1 (007)
Hate
0.0010083293
OpenAI Moderation v1 (007)
Harassment
0.0009388349
OpenAI Moderation v1 (007)
Sexual
0.0002300276
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001463599
OpenAI Moderation v1 (007)
Harassment > Threatening
5.60409E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.55161E-5
OpenAI Moderation v1 (007)
Sexual > Minors
9.3376E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.6359E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
72.6
Gunning-Fog Score
10.8
Coleman-Liau Index
7.6
SMOG Index
11.6
Automated Readability Index
5.9
Dale-Chall Readability Score
3.2
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
24
Trent Lott
So I hope that is the way that we will proceed. Make your points, on both sides of the issue -- on both sides of the aisle -- and then let us sit down and see if we can find a way to come to an agreement to do the best we can. It may not be all we want to do, or it may be too much in some cases, but I am prepared to work in that vein. And I am hoping, again, in spite of all the other distractions, that we can keep our attention focused. And I will try to help to do that.
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
0.896
Very Positive
Moderation
Violence > Graphic
0.0127735068
OpenAI Moderation v1 (007)
Violence
0.010272998
OpenAI Moderation v1 (007)
Self-Harm
0.0031674401
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0009695689
OpenAI Moderation v1 (007)
Hate
0.0007403079
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005623088
OpenAI Moderation v1 (007)
Harassment
0.0003432039
OpenAI Moderation v1 (007)
Sexual
0.0001201293
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001089118
OpenAI Moderation v1 (007)
Sexual > Minors
1.13482E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.0216E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.3
Flesch-Kincaid Ease
87.9
Gunning-Fog Score
10
Coleman-Liau Index
3.8
SMOG Index
8.4
Automated Readability Index
4.9
Dale-Chall Readability Score
2.7
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
11
Trent Lott
I suggest the absence of a quorum.
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
Neutral
Moderation
Harassment
0.1502920873
OpenAI Moderation v1 (007)
Self-Harm
0.0162416283
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0143881538
OpenAI Moderation v1 (007)
Violence
0.0087618064
OpenAI Moderation v1 (007)
Sexual
0.0073461488
OpenAI Moderation v1 (007)
Sexual > Minors
0.004434674
OpenAI Moderation v1 (007)
Violence > Graphic
0.001560704
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0011703066
OpenAI Moderation v1 (007)
Hate
0.000858613
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004779849
OpenAI Moderation v1 (007)
Hate > Threatening
6.016E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
4
Flesch-Kincaid Ease
78.9
Gunning-Fog Score
2.8
Coleman-Liau Index
6.9
SMOG Index
3.3
Automated Readability Index
0.2
Dale-Chall Readability Score
7.1
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3
The PRESIDING OFFICER (Ms. Snowe). The clerk will call the roll.
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
0.1974316081
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.1548882807
OpenAI Moderation v1 (007)
Self-Harm
0.118018873
OpenAI Moderation v1 (007)
Harassment
0.0551271718
OpenAI Moderation v1 (007)
Violence > Graphic
0.0488566817
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0259297638
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0161726115
OpenAI Moderation v1 (007)
Hate
0.0008996348
OpenAI Moderation v1 (007)
Sexual
0.0003380148
OpenAI Moderation v1 (007)
Hate > Threatening
8.21619E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.82639E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3
Flesch-Kincaid Ease
80.1
Gunning-Fog Score
1.5
Coleman-Liau Index
10.4
SMOG Index
7.9
Automated Readability Index
1.4
Dale-Chall Readability Score
4.5
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Chuck Grassley
Madam President, I ask unanimous consent that the order for the quorum call be rescinded.
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
Sexual
0.0113233516
OpenAI Moderation v1 (007)
Violence > Graphic
0.0086613632
OpenAI Moderation v1 (007)
Violence
0.0027144344
OpenAI Moderation v1 (007)
Sexual > Minors
0.0024927691
OpenAI Moderation v1 (007)
Harassment
0.0024867073
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008565096
OpenAI Moderation v1 (007)
Hate
0.000590541
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001842564
OpenAI Moderation v1 (007)
Self-Harm
0.0001032213
OpenAI Moderation v1 (007)
Hate > Threatening
2.16843E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.6589E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
50.6
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
9
Dale-Chall Readability Score
7.1
Sprache Readability Score
3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
6
The Presiding Officer
The PRESIDING OFFICER.
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
Neutral
Moderation
Harassment
0.9085033089
OpenAI Moderation v1 (007)
Violence
0.0843524351
OpenAI Moderation v1 (007)
Hate
0.0537677261
OpenAI Moderation v1 (007)
Self-Harm
0.0117945281
OpenAI Moderation v1 (007)
Violence > Graphic
0.0116714058
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0059837865
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0055734945
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0016386392
OpenAI Moderation v1 (007)
Sexual
0.0005109229
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001122436
OpenAI Moderation v1 (007)
Hate > Threatening
3.86818E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
42.5
Gunning-Fog Score
6.2
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
5.9
Dale-Chall Readability Score
5.5
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Chuck Grassley
Madam President, I ask unanimous consent that the Senate proceed with debate only on the bill before us, the bankruptcy bill, until 5 o'clock.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.51083
VADER
0.226
Slightly Positive
Moderation
Violence
0.0225091819
OpenAI Moderation v1 (007)
Violence > Graphic
0.0055679113
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0020249434
OpenAI Moderation v1 (007)
Harassment
0.0019414812
OpenAI Moderation v1 (007)
Self-Harm
0.0011511085
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002235517
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001671046
OpenAI Moderation v1 (007)
Hate
0.0001438216
OpenAI Moderation v1 (007)
Sexual
9.25136E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.6165E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.20252E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
48.5
Gunning-Fog Score
12.9
Coleman-Liau Index
11.9
SMOG Index
11.3
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10
The Presiding Officer
The PRESIDING OFFICER.
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
Neutral
Moderation
Harassment
0.0112251975
OpenAI Moderation v1 (007)
Violence
0.0055657456
OpenAI Moderation v1 (007)
Violence > Graphic
0.0047514248
OpenAI Moderation v1 (007)
Hate
0.0013103368
OpenAI Moderation v1 (007)
Self-Harm
0.0004909658
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002636393
OpenAI Moderation v1 (007)
Sexual
8.70994E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
8.06118E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.74759E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.24439E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.354E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
42.5
Gunning-Fog Score
6.2
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
5.9
Dale-Chall Readability Score
5.5
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Chuck Grassley
Madam President, I think that we need to consider once again the very important issue of bankruptcy. Senator Durbin has cooperated very well in the subcommittee's work and the committee's work to bring the bill this far.
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
0.531
Very Positive
Moderation
Violence
0.035058512
OpenAI Moderation v1 (007)
Harassment
0.0189736034
OpenAI Moderation v1 (007)
Violence > Graphic
0.0084559564
OpenAI Moderation v1 (007)
Self-Harm
0.0062262938
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.004798517
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0013526453
OpenAI Moderation v1 (007)
Hate
0.0005162588
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003006663
OpenAI Moderation v1 (007)
Sexual
0.0001073238
OpenAI Moderation v1 (007)
Sexual > Minors
1.0544E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.8132E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
50.9
Gunning-Fog Score
15
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
5.2
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11
Chuck Grassley
Why are we introducing a bankruptcy bill? Why do we need major bankruptcy reform? I think it is pretty simple that under the current system an individual can avoid paying the debts that he has incurred with few, if any, questions asked even if that individual has some ability to repay all or a portion of those debts.
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
0.566
Very Positive
Moderation
Violence
0.0084872525
OpenAI Moderation v1 (007)
Harassment
0.0039475624
OpenAI Moderation v1 (007)
Hate
0.0014211164
OpenAI Moderation v1 (007)
Violence > Graphic
0.0005222615
OpenAI Moderation v1 (007)
Self-Harm
0.0002633469
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002486347
OpenAI Moderation v1 (007)
Harassment > Threatening
6.64318E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.18736E-5
OpenAI Moderation v1 (007)
Sexual
3.48232E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.21333E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.551E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
53
Gunning-Fog Score
12.6
Coleman-Liau Index
10.2
SMOG Index
12
Automated Readability Index
9
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
18
Chuck Grassley
This much too easy bankruptcy system encourages irresponsible behavior and costs businesses and ultimately consumers they serve millions of dollars a year, adding up to $40 billion a year in added cost to product and service.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.61904
VADER
0.44
Positive
Moderation
Violence
0.0344943779
OpenAI Moderation v1 (007)
Harassment
0.0334684504
OpenAI Moderation v1 (007)
Violence > Graphic
0.0081105805
OpenAI Moderation v1 (007)
Hate
0.0017226052
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010360012
OpenAI Moderation v1 (007)
Self-Harm
0.0001462503
OpenAI Moderation v1 (007)
Sexual
7.62124E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.64838E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.6031E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.2798E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.794E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
17.5
Gunning-Fog Score
19
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
11
Sprache Difficult Word Count
16
Chuck Grassley
They have to raise their prices to cover this. You, as a consumer, pay this. That is $400 for the average family -- a hidden tax. You can see this being possible because individuals can declare bankruptcy under chapter 7 where debts are rarely repaid. Or there is the choice of chapter 13 which requires debtors to repay a discounted portion of their debts. And obviously -- and this bill does that -- Congress should encourage the use of chapter 13 where creditors will at least receive something, whereas under chapter 7 rarely anything.
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
0.477
Positive
Moderation
Harassment
0.0460660987
OpenAI Moderation v1 (007)
Self-Harm
0.0053504493
OpenAI Moderation v1 (007)
Violence
0.0051229112
OpenAI Moderation v1 (007)
Hate
0.0040682589
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0022543896
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014170821
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007271414
OpenAI Moderation v1 (007)
Sexual
0.0002112963
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001284431
OpenAI Moderation v1 (007)
Sexual > Minors
7.6241E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.1467E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
65.9
Gunning-Fog Score
11.3
Coleman-Liau Index
11.4
SMOG Index
11.3
Automated Readability Index
7.9
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
28
Chuck Grassley
Our bill imposes a means test for people who declare bankruptcy. If a person can repay all or some of their debts now, or even over an extended period of time, they will either have to file under chapter 13 or stay out of the bankruptcy system entirely. This will mean that the businesses which extended credit in good faith will not be left with absolutely nothing.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.8473
VADER
0.785
Very Positive
Moderation
Harassment
0.008081174
OpenAI Moderation v1 (007)
Violence
0.0073014162
OpenAI Moderation v1 (007)
Violence > Graphic
0.0063413856
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011412589
OpenAI Moderation v1 (007)
Self-Harm
0.0011259714
OpenAI Moderation v1 (007)
Sexual
0.0009816483
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005676206
OpenAI Moderation v1 (007)
Hate
0.0004655186
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004162526
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.00702E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.135E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
61.7
Gunning-Fog Score
14.3
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
10.3
Dale-Chall Readability Score
4.2
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
17
Chuck Grassley
Our bankruptcy reform bill imposes a means test by letting creditors file motions under section 707(b) of the Bankruptcy Code. These motions would raise evidence concerning a debtor's ability to repay debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.75
Very Negative
Harvard-IV (Absolute)
-0.75
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
-0.153
Leans Negative
Moderation
Harassment
0.193315465
OpenAI Moderation v1 (007)
Self-Harm
0.0314182631
OpenAI Moderation v1 (007)
Violence > Graphic
0.0130839893
OpenAI Moderation v1 (007)
Violence
0.0130732646
OpenAI Moderation v1 (007)
Hate
0.0061546452
OpenAI Moderation v1 (007)
Sexual
0.0036809888
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0016559903
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007055391
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.49293E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.86603E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.763E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
49.1
Gunning-Fog Score
13.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.7
Dale-Chall Readability Score
7.5
Sprache Readability Score
4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
17
Chuck Grassley
Under current law, creditors -- the people with the most to gain or lose -- are expressly forbidden from doing this. By opening the doors to creditor involvement, businesses can become masters of their own destiny.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.8473
VADER
-0.232
Slightly Negative
Moderation
Violence
0.0026534484
OpenAI Moderation v1 (007)
Harassment
0.0020479663
OpenAI Moderation v1 (007)
Violence > Graphic
0.0010176555
OpenAI Moderation v1 (007)
Sexual
0.0003116732
OpenAI Moderation v1 (007)
Hate
0.0001468328
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001438877
OpenAI Moderation v1 (007)
Self-Harm
0.0001304111
OpenAI Moderation v1 (007)
Sexual > Minors
2.71102E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.2434E-6
OpenAI Moderation v1 (007)
Hate > Threatening
2.419E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.016E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.1
Flesch-Kincaid Ease
52.7
Gunning-Fog Score
16.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.8
Dale-Chall Readability Score
5
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
12
Chuck Grassley
Of course, in order to prevent abusive court filings -- we don't deny that there can be some abuse of this privilege, but we have included penalties if a court dismisses a creditor's motion and determines that the motion was not substantially justified.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
-0.701
Very Negative
Moderation
Violence
0.2628295682
OpenAI Moderation v1 (007)
Sexual
0.066240161
OpenAI Moderation v1 (007)
Harassment
0.054180267
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0400318444
OpenAI Moderation v1 (007)
Violence > Graphic
0.0044552326
OpenAI Moderation v1 (007)
Sexual > Minors
0.003154415
OpenAI Moderation v1 (007)
Hate
0.0014444594
OpenAI Moderation v1 (007)
Self-Harm
0.0002729767
OpenAI Moderation v1 (007)
Hate > Threatening
0.000196461
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.40904E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.5365E-6
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
7.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
15
Chuck Grassley
Our bankruptcy reform bill contains a unique feature which will provide important assistance to small businesses which may not be able to afford to press their case in bankruptcy court. The chapter 7 public trustees -- these are the private individuals who administer bankruptcy cases and who are in the best position to know whether debtors can repay their debts -- are allowed to bring evidence and motions to the bankruptcy judge. If the judge grants a motion to dismiss a bankruptcy petition or to transfer the case to chapter 13, the attorney for the debtor will be fined and the fine will be paid to the chapter 7 trustee as a reward, as an incentive for detecting an abuse of the bankruptcy system by a debtor and by the counsel for that person that owes money.
Sentiment
Loughran McDonald (Relative)
-0.63636
Very Negative
Loughran McDonald (Absolute)
-0.63636
Very Negative
Loughran McDonald (Logit)
-1.335
Harvard-IV (Relative)
-0.04348
Neutral
Harvard-IV (Absolute)
-0.04348
Neutral
Harvard-IV (Logit)
-0.08338
VADER
0.9
Very Positive
Moderation
Harassment
0.0168969709
OpenAI Moderation v1 (007)
Violence > Graphic
0.0046194611
OpenAI Moderation v1 (007)
Self-Harm
0.0022564287
OpenAI Moderation v1 (007)
Violence
0.0008104016
OpenAI Moderation v1 (007)
Sexual
0.0006568272
OpenAI Moderation v1 (007)
Hate
0.0006078068
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002399526
OpenAI Moderation v1 (007)
Sexual > Minors
7.47346E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
3.23463E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.37797E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.46E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.9
Gunning-Fog Score
19
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
43
Sprache Difficult Word Count
39
Chuck Grassley
Thus, a well-informed cadre of bankruptcy trustees with a meaningful financial incentive will be empowered under this legislation to find debtors who could repay and get them into chapter 13 or out of the bankruptcy system entirely.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
0.625
Very Positive
Moderation
Violence > Graphic
0.0829030061
OpenAI Moderation v1 (007)
Self-Harm
0.0480655377
OpenAI Moderation v1 (007)
Harassment
0.0090575384
OpenAI Moderation v1 (007)
Violence
0.0055787223
OpenAI Moderation v1 (007)
Sexual
0.0029618717
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0027470016
OpenAI Moderation v1 (007)
Hate
0.000985729
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005542773
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003620232
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002338165
OpenAI Moderation v1 (007)
Hate > Threatening
1.83447E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
28
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
15
Sprache Difficult Word Count
15
Chuck Grassley
A recent survey of chapter 7 trustees indicated that over 80 percent of the trustees would use this power if it were given to them. Empowering chapter 7 trustees will help small businesses since the effect of transferring or dismissing a case will be that creditors will collect more and bills will be paid. There will be less of an incentive to go into chapter 7 willy-nilly if there is somebody looking over the shoulder to see that it has been done right. We then avoid those people who might be shady, those people who might be using bankruptcy as part of personal financial planning. Under this procedure, small businesses would need only to sit back and let the trustee seek his reward and would not have to spend a dime to litigate the case.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.26826
VADER
0.852
Very Positive
Moderation
Harassment
0.0076047996
OpenAI Moderation v1 (007)
Violence
0.0041441806
OpenAI Moderation v1 (007)
Hate
0.0016697773
OpenAI Moderation v1 (007)
Self-Harm
0.0016004853
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006432703
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004240364
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003709029
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001591952
OpenAI Moderation v1 (007)
Sexual
0.0001251153
OpenAI Moderation v1 (007)
Sexual > Minors
3.96337E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.8219E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.8
Flesch-Kincaid Ease
59.2
Gunning-Fog Score
15
Coleman-Liau Index
10.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
34
Chuck Grassley
This is important legislation. It will help all consumers because it will help businesses collect debts that will otherwise remain unpaid and be passed on to the people who pay their debts and never declare bankruptcy. This bill is about basic fairness. It is about time that Congress provides fairness for all consumers.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.7
Very Positive
Moderation
Violence
0.0232592574
OpenAI Moderation v1 (007)
Self-Harm
0.0119139062
OpenAI Moderation v1 (007)
Violence > Graphic
0.0079816047
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0054980428
OpenAI Moderation v1 (007)
Harassment
0.0038172755
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007715525
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002802248
OpenAI Moderation v1 (007)
Hate
0.0002002783
OpenAI Moderation v1 (007)
Sexual
0.0001462935
OpenAI Moderation v1 (007)
Sexual > Minors
3.50507E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.9599E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
62.5
Gunning-Fog Score
10.6
Coleman-Liau Index
12
SMOG Index
10.8
Automated Readability Index
8.7
Dale-Chall Readability Score
5.1
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Chuck Grassley
Madam President, I think it is very important that we consider on this latter point that I made about the trustees being able to review these bankruptcy cases, that we make very clear that this ought to encourage the bankruptcy bar, to some extent, to be very careful, whereas we feel some are not so careful now in its present environment of the last 20 years of counseling people into bankruptcy in the first place or into chapter 7 as opposed to chapter 13. I don't think a lawyer is going to want to take a chance on being penalized for putting somebody in chapter 7 that should have been in chapter 13; or even putting somebody in bankruptcy that shouldn't have been there in the first place. We feel that we need to get the bankruptcy bar back to the point where they are advising people; that in every instance a person might feel that they want to go into bankruptcy, that it might not be justified.
Sentiment
Loughran McDonald (Relative)
-0.83333
Very Negative
Loughran McDonald (Absolute)
-0.83333
Very Negative
Loughran McDonald (Logit)
-2.03688
Harvard-IV (Relative)
-0.13043
Leans Negative
Harvard-IV (Absolute)
-0.13043
Leans Negative
Harvard-IV (Logit)
-0.25131
VADER
0.888
Very Positive
Moderation
Violence > Graphic
0.0016341417
OpenAI Moderation v1 (007)
Violence
0.0009324364
OpenAI Moderation v1 (007)
Self-Harm
0.0007217945
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006178531
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004580651
OpenAI Moderation v1 (007)
Harassment
0.0004557096
OpenAI Moderation v1 (007)
Sexual
0.0003148444
OpenAI Moderation v1 (007)
Hate
1.72344E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.42912E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.21157E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.9915E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
30.6
Gunning-Fog Score
19
Coleman-Liau Index
9.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
27
Chuck Grassley
I yield the floor. I want to give my good friend, the Senator from Illinois, an opportunity to speak on this subject.
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
0.848
Very Positive
Moderation
Violence > Graphic
0.0659962068
OpenAI Moderation v1 (007)
Sexual
0.0082078528
OpenAI Moderation v1 (007)
Violence
0.006412503
OpenAI Moderation v1 (007)
Self-Harm
0.0016870288
OpenAI Moderation v1 (007)
Harassment
0.0012989751
OpenAI Moderation v1 (007)
Hate
0.0005486537
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003937744
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002726822
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.36322E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.3977E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.217E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
5.3
Flesch-Kincaid Ease
76.5
Gunning-Fog Score
6.2
Coleman-Liau Index
8.8
SMOG Index
10.3
Automated Readability Index
3.8
Dale-Chall Readability Score
3.4
Sprache Readability Score
2.4
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5
The Presiding Officer
The PRESIDING OFFICER.
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
0.3718905384
OpenAI Moderation v1 (007)
Violence
0.0693270704
OpenAI Moderation v1 (007)
Violence > Graphic
0.0153617017
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0061000293
OpenAI Moderation v1 (007)
Hate
0.0056864676
OpenAI Moderation v1 (007)
Self-Harm
0.002416383
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.001046665
OpenAI Moderation v1 (007)
Sexual
0.0009155272
OpenAI Moderation v1 (007)
Sexual > Minors
1.54446E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.11034E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.943E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
22
Gunning-Fog Score
1.4
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.9
Dale-Chall Readability Score
6.9
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Dick Durbin
Thank you, Madam President.
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 > Graphic
0.0139193391
OpenAI Moderation v1 (007)
Harassment
0.0062099447
OpenAI Moderation v1 (007)
Sexual
0.0043399505
OpenAI Moderation v1 (007)
Violence
0.0036619735
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0029646806
OpenAI Moderation v1 (007)
Self-Harm
0.0027263319
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010171209
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008853157
OpenAI Moderation v1 (007)
Hate
0.0006718918
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.57586E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.97332E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
3.7
Flesch-Kincaid Ease
75.9
Gunning-Fog Score
1.6
Coleman-Liau Index
12
SMOG Index
3.3
Automated Readability Index
6.5
Dale-Chall Readability Score
8.1
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
2
Dick Durbin
During the course of this debate on the bankruptcy bill, we will be talking about a number of aspects of this procedure. When you consider a nation of 260 million Americans, and I guess about 1.3 or 1.4 million each year file bankruptcy, the vast majority of people who may be watching this debate have no personal knowledge of the subject. Of course, some lawyers and people who are involved in credit counseling do, but, unfortunately for a lot of unsuspecting people, bankruptcy becomes a critical part of their lives. Senator Grassley and I are attempting to change the bankruptcy code in a way that is fair, that will reduce abusive bankruptcies, but still allow the procedure to be available to those who truly need it.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-3.04452
Harvard-IV (Relative)
-0.3
Somewhat Negative
Harvard-IV (Absolute)
-0.3
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
-0.519
Very Negative
Moderation
Self-Harm
0.5857944489
OpenAI Moderation v1 (007)
Violence
0.4338147119
OpenAI Moderation v1 (007)
Violence > Graphic
0.0731191481
OpenAI Moderation v1 (007)
Harassment
0.028399381
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0266337418
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0196275272
OpenAI Moderation v1 (007)
Hate
0.0032266253
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0016963973
OpenAI Moderation v1 (007)
Sexual
0.0005636731
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001279817
OpenAI Moderation v1 (007)
Hate > Threatening
5.30449E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.9
Gunning-Fog Score
19
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
35
Dick Durbin
Let me give an example of one of the amendments which I have offered, or will offer if given the opportunity, which I think tells an important story about bankruptcy; that is, the whole question about retirement funds. Creditors want those who file for bankruptcy to pay their creditors every penny they have, often including retirement savings. If you are 54 years old and you have some IRAs, some 401(k) plans that you are putting aside for your own retirement and then lose your job after 30 years due to a merger or downsizing, or if someone in your family -- a spouse or a child -- incurs major medical bills and you find yourself facing literally tens of thousands, maybe hundreds of thousands of dollars in debt and find you can't pay your bills, you may be forced into bankruptcy. What may be at stake is not only the money you have on hand, but the money you have saved for your retirement.
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 Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.27444
VADER
0.544
Very Positive
Moderation
Harassment
0.4872173071
OpenAI Moderation v1 (007)
Hate
0.0973235408
OpenAI Moderation v1 (007)
Violence
0.044595942
OpenAI Moderation v1 (007)
Violence > Graphic
0.0101839381
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0068724585
OpenAI Moderation v1 (007)
Sexual
0.0024974139
OpenAI Moderation v1 (007)
Self-Harm
0.0004435467
OpenAI Moderation v1 (007)
Sexual > Minors
8.95716E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.86899E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.70548E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.8872E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
45.6
Gunning-Fog Score
19
Coleman-Liau Index
9.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
34
Dick Durbin
Under current law, if you filed for bankruptcy, they go after everything except the 401(k) plan. So if you put aside these individual retirement accounts or Roth IRAs thinking, "Someday I will need this to supplement Social Security," you will be shocked to learn that the creditors -- the hospitals and doctors or whoever it might be -- are going to say, "I'm sorry, but that IRA is now something that I can take away from you to pay off your bills." That is why I think this amendment which I am going to introduce is so necessary. Current law puts Americans with financial problems in a Catch 22 situation: Either declare bankruptcy and go into poverty in old age, or don't declare bankruptcy and live in poverty now with creditors harassing you because your current bills and health care costs sap your entire income.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
-0.27273
Slightly Negative
Harvard-IV (Absolute)
-0.27273
Slightly Negative
Harvard-IV (Logit)
-0.53408
VADER
-0.939
Very Negative
Moderation
Sexual
0.1048811944
OpenAI Moderation v1 (007)
Violence
0.0505767937
OpenAI Moderation v1 (007)
Harassment
0.0160971191
OpenAI Moderation v1 (007)
Violence > Graphic
0.0135373033
OpenAI Moderation v1 (007)
Hate
0.0035313355
OpenAI Moderation v1 (007)
Sexual > Minors
0.0031578158
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019904575
OpenAI Moderation v1 (007)
Self-Harm
0.0004998506
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002153467
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001139369
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.478E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.2
Gunning-Fog Score
19
Coleman-Liau Index
10.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
37
Dick Durbin
This amendment that I want to offer to the bill, one of several, ensures that retirement savings survive a bankruptcy proceeding intact. The funds will be preserved to provide for your care and expenses in old age, rather than being paid to creditors who are unwilling to compromise when meeting this financial setback. It also provides that if you took a loan from your retirement savings, for example, to fund a downpayment on your house, you will have to pay yourself back by payroll deduction, uninterrupted by the bankruptcy.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.29412
Slightly Positive
Harvard-IV (Absolute)
0.29412
Slightly Positive
Harvard-IV (Logit)
0.57054
VADER
0.599
Very Positive
Moderation
Violence
0.0166619415
OpenAI Moderation v1 (007)
Harassment
0.0154690628
OpenAI Moderation v1 (007)
Sexual
0.0053284984
OpenAI Moderation v1 (007)
Violence > Graphic
0.0036392958
OpenAI Moderation v1 (007)
Hate
0.0020718755
OpenAI Moderation v1 (007)
Sexual > Minors
0.000467874
OpenAI Moderation v1 (007)
Harassment > Threatening
0.00025536
OpenAI Moderation v1 (007)
Self-Harm
1.83557E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.79603E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.134E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.76E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
45.5
Gunning-Fog Score
19
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
24
Sprache Difficult Word Count
29
Dick Durbin
I think there are reasons to support this amendment. It is a good indication of why some amendments are needed on this bill. Think about the gravity of this situation and challenge. The retirement savings of hundreds of thousands of elderly Americans are at risk in bankruptcy proceedings. In 1997, an estimated 280,000 older Americans -- that is, age 50 and older; and I am included in that group -- filed bankruptcy; though I didn't file bankruptcy. Almost one in five bankruptcy cases, 18.5 percent, involve one or both petitioners coming to court who are 50 years of age or older.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.23077
Slightly Negative
Harvard-IV (Absolute)
-0.23077
Slightly Negative
Harvard-IV (Logit)
-0.43532
VADER
0.586
Very Positive
Moderation
Sexual
0.1118679415
OpenAI Moderation v1 (007)
Violence
0.0304692861
OpenAI Moderation v1 (007)
Violence > Graphic
0.0241751783
OpenAI Moderation v1 (007)
Harassment
0.0187061465
OpenAI Moderation v1 (007)
Hate
0.012060305
OpenAI Moderation v1 (007)
Sexual > Minors
0.0059297825
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0033193584
OpenAI Moderation v1 (007)
Self-Harm
0.0023789189
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017918792
OpenAI Moderation v1 (007)
Hate > Threatening
0.0007782753
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0007364975
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
62.2
Gunning-Fog Score
12.7
Coleman-Liau Index
10.6
SMOG Index
12
Automated Readability Index
8
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
28
Dick Durbin
What are the top three reasons Americans give for filing for bankruptcy? Job loss, overwhelming medical expenses, and a creditor's refusal to work out repayment plans. Nearly 50 percent of older Americans declare bankruptcy because they lost their job at or about the age of 50. At this age, it is a tough situation to find another job that pays as well. It can be catastrophic to an entire family.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
-0.45455
Negative
Harvard-IV (Absolute)
-0.45455
Negative
Harvard-IV (Logit)
-0.8873
VADER
-0.66
Very Negative
Moderation
Harassment
0.3950754646
OpenAI Moderation v1 (007)
Violence
0.0240789537
OpenAI Moderation v1 (007)
Harassment > Threatening
0.008616368
OpenAI Moderation v1 (007)
Hate
0.0061416358
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035508474
OpenAI Moderation v1 (007)
Self-Harm
0.0007542714
OpenAI Moderation v1 (007)
Sexual
0.0004704641
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002300579
OpenAI Moderation v1 (007)
Hate > Threatening
3.08097E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.53584E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.05475E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
59.7
Gunning-Fog Score
12.5
Coleman-Liau Index
10.8
SMOG Index
12
Automated Readability Index
6.8
Dale-Chall Readability Score
5
Sprache Readability Score
4
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
20
Dick Durbin
Parents may have kids in college, elderly parents to care for, a house that may need a new roof, and a family that may have overwhelming medical expenses. About 30 percent of older Americans filing bankruptcy due to family medical bills that are completely beyond their capacity to pay. You should not have to choose between your family's health and your financial security in your old age. One in ten older Americans files bankruptcy because their creditors have refused to work with them to pay their bills. One in fifteen older Americans files bankruptcy to save a home they are about to lose.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.05882
Neutral
Harvard-IV (Absolute)
0.05882
Neutral
Harvard-IV (Logit)
0.11123
VADER
0.477
Positive
Moderation
Violence
0.1958469395
OpenAI Moderation v1 (007)
Self-Harm
0.0408670283
OpenAI Moderation v1 (007)
Violence > Graphic
0.0208515557
OpenAI Moderation v1 (007)
Harassment
0.0187156038
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0089735193
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0027352435
OpenAI Moderation v1 (007)
Hate
0.0022827648
OpenAI Moderation v1 (007)
Sexual
0.0013115045
OpenAI Moderation v1 (007)
Sexual > Minors
0.0012900075
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002881985
OpenAI Moderation v1 (007)
Hate > Threatening
6.7328E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
52.9
Gunning-Fog Score
14.8
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
11
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
27
Dick Durbin
Young people really are protected by this amendment, as well, when retirement funds are set aside over a person's working career to provide them with privately funded care in their old age. My mother lived to the age of 87, and she always said time and time again, for years and years, "I just don't want to be a burden on you and your brothers." She never was, but she was always worried about it. She saved carefully, so that there was money set aside, so that if something happened, she would be able to take care of herself and would not have to turn to us.
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)
0.61904
VADER
0.866
Very Positive
Moderation
Violence
0.0465631223
OpenAI Moderation v1 (007)
Violence > Graphic
0.0207785793
OpenAI Moderation v1 (007)
Sexual > Minors
0.0076093704
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0070032664
OpenAI Moderation v1 (007)
Self-Harm
0.0041519736
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0033389788
OpenAI Moderation v1 (007)
Harassment
0.0028533421
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021784645
OpenAI Moderation v1 (007)
Sexual
0.0014986539
OpenAI Moderation v1 (007)
Hate
0.0003912407
OpenAI Moderation v1 (007)
Hate > Threatening
9.4769E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
67.4
Gunning-Fog Score
13.3
Coleman-Liau Index
8.2
SMOG Index
10.8
Automated Readability Index
11.1
Dale-Chall Readability Score
3.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
20
Dick Durbin
I think that is the feeling of many senior citizens who put aside savings in IRAs and 401(k) plans, so they can be independent and live a life that doesn't take away from their children.
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
0.128
Leans Positive
Moderation
Violence
0.0869962736
OpenAI Moderation v1 (007)
Self-Harm
0.0820850662
OpenAI Moderation v1 (007)
Violence > Graphic
0.0125426828
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0070911061
OpenAI Moderation v1 (007)
Harassment
0.0042526077
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0041666652
OpenAI Moderation v1 (007)
Hate
0.0003794281
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003278481
OpenAI Moderation v1 (007)
Sexual
0.0002273828
OpenAI Moderation v1 (007)
Sexual > Minors
6.00696E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.43E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
55.1
Gunning-Fog Score
17.7
Coleman-Liau Index
7.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
3.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
9
Dick Durbin
But think about it. If something comes along, like a catastrophic illness, you have reached the limit on your health insurance policy, and all of a sudden debts are cascading around you and bankruptcy is the only option, you lose everything you saved -- and independence is important to all of us, and particularly to those in their senior years.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.16667
Leans Positive
Harvard-IV (Absolute)
0.16667
Leans Positive
Harvard-IV (Logit)
0.31015
VADER
-0.273
Slightly Negative
Moderation
Harassment
0.380157656
OpenAI Moderation v1 (007)
Violence
0.0582596462
OpenAI Moderation v1 (007)
Harassment > Threatening
0.030026029
OpenAI Moderation v1 (007)
Violence > Graphic
0.0179532595
OpenAI Moderation v1 (007)
Self-Harm
0.0082009057
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0023095185
OpenAI Moderation v1 (007)
Hate
0.0013132317
OpenAI Moderation v1 (007)
Sexual
0.000186602
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001345748
OpenAI Moderation v1 (007)
Sexual > Minors
2.95674E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.017E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.1
Gunning-Fog Score
19
Coleman-Liau Index
11.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Dick Durbin
Security in retirement can only be achieved through the accumulation of assets over a working lifetime. Retirement funds should not be at risk simply because of an unexpected layoff or medical problems, sending a debt-strapped family over the financial edge. I don't think this amendment is subject to abuse, because debtors can't really sock away money in a retirement account just before filing for bankruptcy. Retirement plan contributions are heavily regulated and limited by law and not subject to bankruptcy planning abuse. Debtors have been criticized for poor management skills, but they should be rewarded, not penalized, for making rational economic decisions, like preparing for retirement.
Sentiment
Loughran McDonald (Relative)
-0.73333
Very Negative
Loughran McDonald (Absolute)
-0.73333
Very Negative
Loughran McDonald (Logit)
-1.6864
Harvard-IV (Relative)
-0.14286
Leans Negative
Harvard-IV (Absolute)
-0.14286
Leans Negative
Harvard-IV (Logit)
-0.27763
VADER
0.118
Leans Positive
Moderation
Violence
0.2213893924
OpenAI Moderation v1 (007)
Violence > Graphic
0.0692839385
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0290938391
OpenAI Moderation v1 (007)
Harassment
0.0137609095
OpenAI Moderation v1 (007)
Sexual > Minors
0.0063973195
OpenAI Moderation v1 (007)
Self-Harm
0.0044026121
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.003911808
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0027647362
OpenAI Moderation v1 (007)
Hate
0.0017574193
OpenAI Moderation v1 (007)
Sexual
0.0011337943
OpenAI Moderation v1 (007)
Hate > Threatening
0.0010770209
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
30.9
Gunning-Fog Score
18.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
44
Sprache Difficult Word Count
42
Dick Durbin
Who supports this amendment? The AARP, American Association for Retired Persons, National Council of Senior Citizens, the Profit Sharing 401(k) Council of America, the National Council on Teacher Retirement, and the New York State Teachers Retirement System, just to name a few.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.802
Very Positive
Moderation
Violence
0.0224797986
OpenAI Moderation v1 (007)
Sexual > Minors
0.0022612345
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0021887388
OpenAI Moderation v1 (007)
Self-Harm
0.0019054578
OpenAI Moderation v1 (007)
Harassment
0.0018311344
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013211945
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012545001
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0010948163
OpenAI Moderation v1 (007)
Sexual
0.0001615225
OpenAI Moderation v1 (007)
Hate
9.99798E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.8886E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.5
Gunning-Fog Score
9.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
17
Dick Durbin
My reason for explaining this amendment is that there is debate underway here as to whether we will allow amendments to the bankruptcy bill. This is an illustration of the type of amendment that I think is important, so that we make certain that this reform of the bankruptcy code recognizes the reality of life in America. We want to protect the retirement funds of those who have been careful enough to save, who could never even have anticipated an economic calamity such as I have described. We want to make certain that they are given a chance to come through bankruptcy not only with dignity but with a chance to lead a good life.
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 Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.65393
VADER
0.919
Very Positive
Moderation
Violence > Graphic
0.0867742754
OpenAI Moderation v1 (007)
Violence
0.0637535355
OpenAI Moderation v1 (007)
Sexual
0.0598584942
OpenAI Moderation v1 (007)
Sexual > Minors
0.0187426049
OpenAI Moderation v1 (007)
Harassment
0.0091214963
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006919047
OpenAI Moderation v1 (007)
Hate
0.0006503808
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001362433
OpenAI Moderation v1 (007)
Self-Harm
0.0001328521
OpenAI Moderation v1 (007)
Hate > Threatening
4.49054E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.7493E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
49.7
Gunning-Fog Score
17.4
Coleman-Liau Index
10.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
25
Dick Durbin
There are other elements to be considered as well. I would like to address one or two of them before giving the floor back to Senator Grassley of Iowa.
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
0.718
Very Positive
Moderation
Sexual > Minors
0.0284659036
OpenAI Moderation v1 (007)
Sexual
0.0213904888
OpenAI Moderation v1 (007)
Violence > Graphic
0.0179083974
OpenAI Moderation v1 (007)
Violence
0.0178165763
OpenAI Moderation v1 (007)
Harassment
0.0032715838
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017448761
OpenAI Moderation v1 (007)
Self-Harm
0.0003784639
OpenAI Moderation v1 (007)
Hate
0.0001647144
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.46704E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.99926E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.1776E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
72.5
Gunning-Fog Score
7.2
Coleman-Liau Index
8.8
SMOG Index
10.3
Automated Readability Index
5.5
Dale-Chall Readability Score
4
Sprache Readability Score
3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
7
Dick Durbin
We have talked a lot about those who file for bankruptcy. I think it is important that this be a balanced discussion, so that we talk about those who, frankly, are using the credit system in this country to make a great deal of money. Credit cards are one of the most profitable areas of financial endeavor in America. Those who have taken a close look at the interest rates they pay on credit cards understand why. If you happen to be late in making a monthly payment and the balance is held over another month, sometimes the interest rates can be dramatic in comparison to what we pay for mortgages and other loans, like automobile loans. The interest rates, many times, on unsecured debt, like credit card debt, can be substantial.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.90476
Very Positive
Harvard-IV (Absolute)
0.90476
Very Positive
Harvard-IV (Logit)
2.61496
VADER
0.975
Very Positive
Moderation
Violence
0.0774216314
OpenAI Moderation v1 (007)
Violence > Graphic
0.0353075011
OpenAI Moderation v1 (007)
Harassment
0.0246517302
OpenAI Moderation v1 (007)
Sexual
0.0058383335
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017120745
OpenAI Moderation v1 (007)
Sexual > Minors
0.001523715
OpenAI Moderation v1 (007)
Hate
0.0005550728
OpenAI Moderation v1 (007)
Self-Harm
0.000149182
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001425453
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.7298E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.632E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
57.6
Gunning-Fog Score
14.3
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
31
Dick Durbin
Unfortunately, I don't believe many credit card companies or other financial institutions are as honest as they should be with American consumers. I will bet most of the people who are listening to this debate will open their mailboxes up today and find a preapproved application for a credit card. We know we are going to find them whenever we go home. If you look at it, you will understand that nobody has analyzed your credit situation. They have basically said: Here is another $100,000 in debt that you can run up if you like, at an interest rate that you may be able to pick out in the fine print on the back of the solicitation.
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)
1.02165
VADER
0.857
Very Positive
Moderation
Violence > Graphic
0.1260811696
OpenAI Moderation v1 (007)
Violence
0.0593463192
OpenAI Moderation v1 (007)
Harassment
0.0201781688
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0094125069
OpenAI Moderation v1 (007)
Sexual
0.0061472201
OpenAI Moderation v1 (007)
Sexual > Minors
0.0033838754
OpenAI Moderation v1 (007)
Hate
0.0019634728
OpenAI Moderation v1 (007)
Self-Harm
0.0007723329
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001431484
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001096404
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.48781E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
57.4
Gunning-Fog Score
15.2
Coleman-Liau Index
9.2
SMOG Index
12
Automated Readability Index
10.4
Dale-Chall Readability Score
3.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
25
Dick Durbin
I visited a football game in Illinois last year where they were passing out free T-shirts to any student at the University of Illinois, Champaign-Urbana, who would take an official University of Illinois credit card. They ran out of T-shirts because the students could not wait to get them. Most of these students ended up with credits cards, most without much income. We don't want to limit opportunities, but we do want honest disclosure. At that particular football game, the credit card company offering this credit card had posted on a banner behind the little booth, "Permanent introductory rate, 5.9 percent." Think about that for a minute. "Permanent introductory rate"? How does that work? Clearly, at some point in time you are through the introductory period and into a new rate.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.57143
Very Positive
Harvard-IV (Absolute)
0.57143
Very Positive
Harvard-IV (Logit)
1.18958
VADER
0.956
Very Positive
Moderation
Violence
0.2578238258
OpenAI Moderation v1 (007)
Violence > Graphic
0.0251003163
OpenAI Moderation v1 (007)
Harassment
0.0160524534
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0118500604
OpenAI Moderation v1 (007)
Self-Harm
0.0032987457
OpenAI Moderation v1 (007)
Sexual
0.0023198669
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010207455
OpenAI Moderation v1 (007)
Hate
0.0007194682
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004228652
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001965873
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001810793
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
58.5
Gunning-Fog Score
9.5
Coleman-Liau Index
12
SMOG Index
11.6
Automated Readability Index
8.2
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
29
Dick Durbin
I think it is important that there be an honest disclosure of the interest rate people will be charged on credit cards, so that on the myriad -- perhaps dozens -- of credit card solicitations you receive, you can make the right choice, not just the come-on rate, the attractive 6 percent or something on the envelope. What are you really going to be charged as an interest rate?
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.69231
Very Positive
Harvard-IV (Absolute)
0.69231
Very Positive
Harvard-IV (Logit)
1.52606
VADER
0.939
Very Positive
Moderation
Harassment
0.0689799548
OpenAI Moderation v1 (007)
Violence
0.0489484635
OpenAI Moderation v1 (007)
Violence > Graphic
0.036916582
OpenAI Moderation v1 (007)
Sexual > Minors
0.0233413637
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0169199746
OpenAI Moderation v1 (007)
Sexual
0.0067248664
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0054333184
OpenAI Moderation v1 (007)
Hate
0.0012250381
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006246093
OpenAI Moderation v1 (007)
Self-Harm
0.0003099437
OpenAI Moderation v1 (007)
Hate > Threatening
4.24776E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
49.2
Gunning-Fog Score
19
Coleman-Liau Index
10
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
16
Dick Durbin
I think the credit card companies owe it to us as well to send us, along with the credit card application, a worksheet so that people can say: Let me see, exactly where am I? How many debts do I owe? How much income do I have? Does this worksheet give me an indication as to whether I should go further in debt? I don't think that is unreasonable.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.78846
VADER
0.697
Very Positive
Moderation
Harassment
0.2652948257
OpenAI Moderation v1 (007)
Violence
0.1169077586
OpenAI Moderation v1 (007)
Hate
0.0248047436
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0092029957
OpenAI Moderation v1 (007)
Self-Harm
0.0081479768
OpenAI Moderation v1 (007)
Violence > Graphic
0.0061811195
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.002228604
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013273715
OpenAI Moderation v1 (007)
Sexual
0.0002524776
OpenAI Moderation v1 (007)
Hate > Threatening
4.2256E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.22488E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6
Flesch-Kincaid Ease
76.3
Gunning-Fog Score
8.4
Coleman-Liau Index
7.1
SMOG Index
9
Automated Readability Index
3.8
Dale-Chall Readability Score
3.7
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
11
Dick Durbin
I also think the monthly billings we receive from many of the credit card companies are a mystery to try to figure out, what they mean and what it means if we make certain payments. For example, there will be an amendment offered here, I believe, by the Senator from Rhode Island, Senator Reed, which will say that you cannot have your credit card canceled if you pay off the entire balance each month. Many people are surprised to learn that. They make the payment and say, "I am a good customer." Obviously, they got their bill and paid it. But then the company says: "We are not interested in your business anymore. If you are not going to carry a debt and pay us interest from time to time, or regularly, then we don't want you as a customer." They don't disclose that when you get the card. But you may find that out later on.
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)
1.27297
VADER
0.731
Very Positive
Moderation
Harassment
0.0123464022
OpenAI Moderation v1 (007)
Violence
0.0121655394
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0020622399
OpenAI Moderation v1 (007)
Violence > Graphic
0.0011276103
OpenAI Moderation v1 (007)
Hate
0.0004370359
OpenAI Moderation v1 (007)
Sexual
0.0003613058
OpenAI Moderation v1 (007)
Sexual > Minors
8.47563E-5
OpenAI Moderation v1 (007)
Self-Harm
4.15787E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.1276E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.378E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.533E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.3
Flesch-Kincaid Ease
73.8
Gunning-Fog Score
10.3
Coleman-Liau Index
8.5
SMOG Index
10.6
Automated Readability Index
6.8
Dale-Chall Readability Score
3.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
30
Dick Durbin
Also, if you look at the monthly statement, it says "minimum monthly payment." Well, I think there are some obvious questions that should be answered when they say "minimum monthly payment." If I make that minimum monthly payment, how many months will it take me to pay off the balance if I don't add another penny of debt? How much will I be paying in interest? Those are not unreasonable questions. I think the average consumer should have the answer right there on the monthly statement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.374
Somewhat Positive
Moderation
Violence
0.019137912
OpenAI Moderation v1 (007)
Sexual
0.0125405539
OpenAI Moderation v1 (007)
Violence > Graphic
0.0104307182
OpenAI Moderation v1 (007)
Harassment
0.0030716576
OpenAI Moderation v1 (007)
Sexual > Minors
0.0009567975
OpenAI Moderation v1 (007)
Self-Harm
0.0002704144
OpenAI Moderation v1 (007)
Hate
0.0001117616
OpenAI Moderation v1 (007)
Harassment > Threatening
8.14705E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.06434E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.8044E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.64E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
67.4
Gunning-Fog Score
10.8
Coleman-Liau Index
10.9
SMOG Index
11
Automated Readability Index
7.1
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
14
Dick Durbin
I looked at my own credit card recently just to see what the minimum monthly payment might result in. It resulted in my paying off the balance in a mere 60 months -- 5 years. That is paying off the current balance with a minimum monthly payment.
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
Harassment
0.0041900868
OpenAI Moderation v1 (007)
Violence
0.002224347
OpenAI Moderation v1 (007)
Sexual
0.0011588087
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004383005
OpenAI Moderation v1 (007)
Harassment > Threatening
8.70646E-5
OpenAI Moderation v1 (007)
Hate
7.88386E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.31417E-5
OpenAI Moderation v1 (007)
Self-Harm
4.23057E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.04376E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.842E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.097E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.6
Flesch-Kincaid Ease
75.4
Gunning-Fog Score
9.6
Coleman-Liau Index
8.6
SMOG Index
9.9
Automated Readability Index
5.8
Dale-Chall Readability Score
5.9
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
12
Dick Durbin
The time may come when an individual can't pay off the credit card on a regular basis. They may have a problem and fall behind. That is understandable where the minimum monthly payment may be the only thing they can come up with. I think we have to educate consumers so they don't fall into this trap.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.004
Neutral
Moderation
Violence
0.0251922145
OpenAI Moderation v1 (007)
Sexual
0.0066548957
OpenAI Moderation v1 (007)
Violence > Graphic
0.0060116236
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012286733
OpenAI Moderation v1 (007)
Harassment
0.0009929732
OpenAI Moderation v1 (007)
Hate
0.0001732941
OpenAI Moderation v1 (007)
Sexual > Minors
9.73821E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.71768E-5
OpenAI Moderation v1 (007)
Self-Harm
3.47107E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.9688E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.015E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
72.2
Gunning-Fog Score
9.9
Coleman-Liau Index
8.9
SMOG Index
10.3
Automated Readability Index
5.4
Dale-Chall Readability Score
3.5
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
10
Dick Durbin
There is another element here that I have learned during the course of this debate. Some people are surprised to know that once they have the credit card in hand and make a purchase, if you have a debt that they are trying to pursue in bankruptcy, the credit card company not only has recourse against you personally but has recourse against whatever items you purchased with the credit card. Surprise, surprise. You turned around and bought a television or a stereo with the credit card, thinking that that was the way you were going to own it, and you get into bankruptcy court and they say that the fine print in the contract says, "We now own the television." I think that should be disclosed. People ought to know that going in. That is another example, in my mind, of the kind of activity that would lead to a more level playing field.
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
0.96
Very Positive
Moderation
Violence > Graphic
0.0498118345
OpenAI Moderation v1 (007)
Violence
0.0291807635
OpenAI Moderation v1 (007)
Sexual
0.0100284953
OpenAI Moderation v1 (007)
Self-Harm
0.0058531787
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0033680484
OpenAI Moderation v1 (007)
Sexual > Minors
0.001033549
OpenAI Moderation v1 (007)
Harassment
0.000788272
OpenAI Moderation v1 (007)
Hate
0.0003101926
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001357428
OpenAI Moderation v1 (007)
Hate > Threatening
3.99727E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.292E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
67.5
Gunning-Fog Score
12.7
Coleman-Liau Index
9.8
SMOG Index
11.6
Automated Readability Index
10.1
Dale-Chall Readability Score
4.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
29
Dick Durbin
Those critical of the increases in filings for bankruptcy, I think, have some good cause for alarm. There are too many. If we can reduce abusive filings, we should. The average person filing for bankruptcy in America has an income of less than $18,000 a year and average debts of $28,000. So the people we find in bankruptcy court are not the wheelers and dealers and high rollers; they are folks in lower- to middle-income situations who have run into a mountain of debt that they can't cope with. I don't want to see this bill penalize those people. I want to make certain that we are careful that whatever we do does not stop them from coming to court and trying to finally discharge their debts and start again.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.99853
VADER
-0.753
Very Negative
Moderation
Violence
0.0357020472
OpenAI Moderation v1 (007)
Sexual
0.0269897748
OpenAI Moderation v1 (007)
Violence > Graphic
0.0222268791
OpenAI Moderation v1 (007)
Harassment
0.0112900256
OpenAI Moderation v1 (007)
Hate
0.0052679243
OpenAI Moderation v1 (007)
Sexual > Minors
0.0015363072
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000950728
OpenAI Moderation v1 (007)
Hate > Threatening
0.0006082324
OpenAI Moderation v1 (007)
Self-Harm
0.0005631513
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001501293
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.25092E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
72.4
Gunning-Fog Score
11.5
Coleman-Liau Index
8.9
SMOG Index
11.3
Automated Readability Index
7.8
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
26
Dick Durbin
There is another element in this bill which I think deserves some consideration and discussion. It is called the homestead exemption.
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
Neutral
Moderation
Violence
0.0483173382
OpenAI Moderation v1 (007)
Hate
0.0480728253
OpenAI Moderation v1 (007)
Violence > Graphic
0.0188765785
OpenAI Moderation v1 (007)
Harassment
0.0176491012
OpenAI Moderation v1 (007)
Sexual
0.0136190138
OpenAI Moderation v1 (007)
Sexual > Minors
0.0118845979
OpenAI Moderation v1 (007)
Hate > Threatening
0.0085846776
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032110991
OpenAI Moderation v1 (007)
Self-Harm
0.0008686487
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.1164E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.3311E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
51.1
Gunning-Fog Score
13.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.7
Dale-Chall Readability Score
5.8
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8
Dick Durbin
Under a curiosity in the law, each State can determine how much we can have in a homestead exemption, which means if I go into bankruptcy court in my home State of Illinois and file for bankruptcy, they have decided by statute in that State that the maximum amount which I can claim as the value of my home -- I can't recall the exact figure in Illinois, but it is relatively modest. Some States have gone off the charts. That is why we had a couple of instances where noteworthy figures -- one a former commissioner of baseball, another a former Governor of one of our States -- before filing for bankruptcy, moved to, in this case Florida, and in the other case Texas, and bought million- dollar homes which were exempt under State law. They took everything that they had and plowed it into the home and filed for bankruptcy. The creditors ended up with little or nothing. Thank goodness this bill, because of the amendment offered by Senator Feingold of Wisconsin, is going to eliminate what I consider to be a clever loophole and an abuse in the law.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
0.15789
Leans Positive
Harvard-IV (Absolute)
0.15789
Leans Positive
Harvard-IV (Logit)
0.30228
VADER
-0.442
Negative
Moderation
Violence > Graphic
0.0494059001
OpenAI Moderation v1 (007)
Violence
0.0177790731
OpenAI Moderation v1 (007)
Sexual
0.0123238307
OpenAI Moderation v1 (007)
Harassment
0.005053265
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015930329
OpenAI Moderation v1 (007)
Hate
0.0010076391
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010037021
OpenAI Moderation v1 (007)
Self-Harm
0.0003463608
OpenAI Moderation v1 (007)
Hate > Threatening
6.81087E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.81448E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.8669E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47.3
Gunning-Fog Score
17.3
Coleman-Liau Index
10.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
43
Sprache Difficult Word Count
49
Dick Durbin
Should this bill that Senator Grassley and I are working on pass the Senate, we will face a battle in conference because the House of Representatives eliminated that provision and allows each State to set whatever standard they want. I don't think that is fair. I think we ought to have a national standard. We shouldn't have people racing off to establish residency in some State to take advantage of a very generous homestead exemption. That is not fair to creditors. I hope that as a part of this debate we will preserve that important element in the law.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.45455
Positive
Harvard-IV (Absolute)
0.45455
Positive
Harvard-IV (Logit)
0.8873
VADER
0.835
Very Positive
Moderation
Violence
0.4624258727
OpenAI Moderation v1 (007)
Harassment > Threatening
0.1802861691
OpenAI Moderation v1 (007)
Violence > Graphic
0.1427570707
OpenAI Moderation v1 (007)
Sexual
0.0195652872
OpenAI Moderation v1 (007)
Harassment
0.0194166307
OpenAI Moderation v1 (007)
Hate
0.0094771181
OpenAI Moderation v1 (007)
Self-Harm
0.0033284654
OpenAI Moderation v1 (007)
Hate > Threatening
0.0020735239
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011975429
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.13361E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.01689E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
11.9
Coleman-Liau Index
11
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
4.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
32
Dick Durbin
At this time, I reserve the remainder of my time. I yield the floor.
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
Sexual
0.0397739437
OpenAI Moderation v1 (007)
Violence > Graphic
0.0206819052
OpenAI Moderation v1 (007)
Violence
0.0061172439
OpenAI Moderation v1 (007)
Harassment
0.0024225852
OpenAI Moderation v1 (007)
Sexual > Minors
0.0021278876
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019939533
OpenAI Moderation v1 (007)
Hate
0.000790964
OpenAI Moderation v1 (007)
Self-Harm
0.0001652892
OpenAI Moderation v1 (007)
Hate > Threatening
9.15416E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.35026E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.7495E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
1.5
Flesch-Kincaid Ease
97
Gunning-Fog Score
5.7
Coleman-Liau Index
6
SMOG Index
7.3
Automated Readability Index
0
Dale-Chall Readability Score
3.7
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3
Jon Kyl
Madam President, about a month ago, the Administrative Office of the U.S. Courts released figures on nationwide bankruptcy filings for the 12-month period ending June 30. The figures clearly illustrate what has so many of us concerned -- that is, that bankruptcy filings are becoming epidemic.
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
0.402
Positive
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
54.5
Gunning-Fog Score
11.5
Coleman-Liau Index
12
SMOG Index
11.8
Automated Readability Index
7.9
Dale-Chall Readability Score
6
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
17
Jon Kyl
Filings for the 12-month period ending on June 30 totaled 1,429,451 -- an all-time high. Personal bankruptcy filings increased 9.2 percent from the same period in 1997.
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
0.273
Slightly Positive
Readability
Flesch-Kincaid Grade
5.2
Flesch-Kincaid Ease
84.5
Gunning-Fog Score
12.7
Coleman-Liau Index
7
SMOG Index
12
Automated Readability Index
4.3
Dale-Chall Readability Score
6
Sprache Readability Score
3.2
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
9
Jon Kyl
Unlike other kinds of epidemics, this is one that can be avoided in many instances if credit is used wisely and people do not overextend themselves in the first place.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.459
Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41
Gunning-Fog Score
17.3
Coleman-Liau Index
10.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9
Jon Kyl
Certainly, extraordinary circumstances can strike any family, which is why it is important to preserve access to bankruptcy relief. No one disputes that there should be an opportunity to seek relief and a fresh start when truly extraordinary circumstances strike -- for example, when families are torn apart by divorce or ill health. I suspect that creditors are more than willing to work with someone when such tragedy strikes to help them through tough times.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
0.05263
Neutral
Harvard-IV (Absolute)
0.05263
Neutral
Harvard-IV (Logit)
0.10008
VADER
0.103
Leans Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41.2
Gunning-Fog Score
16.9
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
20
Sprache Difficult Word Count
23
Jon Kyl
But there is growing evidence, Madam President, that more and more people who file for relief under Chapter 7 actually have the ability to pay back some, or even all, of what they owe. It is cases like that, where bankruptcy is becoming the option of first resort, rather than last resort, that led to the drafting of the bill before us today.
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
0.802
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.7
Gunning-Fog Score
15.8
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
18
Jon Kyl
The Consumer Bankruptcy Reform Act, S. 1301, is the product of a number of hearings and months of deliberations. I would note that it enjoys broad bipartisan support, having been approved overwhelmingly by the Senate Judiciary Committee on a vote of 15 to 2. Similar bipartisan legislation in the House passed on June 10 by the lopsided vote of 306 to 118.
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
0.823
Very Positive
Readability
Flesch-Kincaid Grade
8.7
Flesch-Kincaid Ease
60.1
Gunning-Fog Score
10.7
Coleman-Liau Index
10.1
SMOG Index
12
Automated Readability Index
7.1
Dale-Chall Readability Score
5.4
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
22
Jon Kyl
So what does this legislation do? Those with low incomes would continue to choose between Chapter 13 payment plans and Chapter 7 discharges, just as they do today. But to ensure that some people are not abusing the system, the bill requires bankruptcy courts to consider whether people who have higher incomes and the ability to pay a portion of their debt should be required to repay what they can under Chapter 13.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.125
Leans Positive
Readability
Flesch-Kincaid Grade
10.9
Flesch-Kincaid Ease
60.5
Gunning-Fog Score
13.6
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
18
Sprache Difficult Word Count
21
Jon Kyl
As it stands today, people with more modest incomes who live within their means are forced to subsidize wealthier individuals who abuse the bankruptcy laws. That is just not fair.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
-0.658
Very Negative
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
61.9
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
9.1
Dale-Chall Readability Score
5
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10
Jon Kyl
When people run up debts they have no intention of paying, they shift a greater financial burden onto honest, hard-working families in America. Estimates are that bankruptcy costs every American family an extra $400 a year.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
0.178
Leans Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41.7
Gunning-Fog Score
15
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
6.5
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
16
Jon Kyl
Madam President, I want to stop at this point and single out three provisions of the bill for comment -- provisions that were added in committee as a result of the adoption of amendments I offered. They represent what, in my view, are very modest, common-sense reforms of the bankruptcy system.
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)
0.58779
VADER
-0.226
Slightly Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
51.6
Gunning-Fog Score
15.7
Coleman-Liau Index
11.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
20
Jon Kyl
The first appears in Section 314 of the bill and provides that debts that are fraudulently incurred could no longer be discharged in Chapter 13, the same as in Chapter 7. Currently, at the conclusion of a Chapter 13 plan, the debtor is eligible for a broader discharge than is available in Chapter 7, and this superdischarge can result in several types of debts, including those for fraud and intentional torts, being discharged whereas they could not be discharged in Chapter 7. My amendment would simply add fraudulent debts to the list of debts that are nondischargeable under Chapter 13. It is as simple as that.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.5
Very Negative
Harvard-IV (Absolute)
-0.5
Very Negative
Harvard-IV (Logit)
-0.99853
VADER
-0.848
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53
Gunning-Fog Score
16.6
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
30
Jon Kyl
Let me take a few moments to share some of the comments that others have made on the subject. Here is what the Deputy Associate Attorney General, Francis M. Allegra, said about the dischargeability of fraudulent debts in a letter dated June 19, 1997: "We are unconvinced that providing a (fresh start) under Chapter 13 superdischarge to those who commit fraud or whose debts result from other forms of misconduct is desirable as a policy matter." Here is what Judge Edith Jones of Fifth Circuit Court of Appeals said in a dissenting opinion to the report of the Bankruptcy Review Commission: "The superdischarge satisfies no justifiable social policy and only encourages the use of Chapter 13 by embezzlers, felons, and tax dodgers." Judith Starr, the Assistant Chief of the Litigation Counsel Division of Enforcement of the Securities and Exchange Commission, testified before the House Judiciary Committee on March 18, 1998. Speaking about the fraud issue, she said: "We believe that, in enacting the Bankruptcy Code, Congress never intended to extend the privilege of the `fresh start' to those who lie, cheat, and steal from the public." She goes on to say:
Sentiment
Loughran McDonald (Relative)
-0.73333
Very Negative
Loughran McDonald (Absolute)
-0.73333
Very Negative
Loughran McDonald (Logit)
-1.6864
Harvard-IV (Relative)
0.11765
Leans Positive
Harvard-IV (Absolute)
0.11765
Leans Positive
Harvard-IV (Logit)
0.22957
VADER
-0.823
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.9
Gunning-Fog Score
15.3
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
63
Sprache Difficult Word Count
71
Jon Kyl
And she concludes:
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
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
3.6
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
Jon Kyl
A final quotation: The Honorable Heidi Heitkamp, the Attorney General of North Dakota, testified to the following before the House Committee on March 10:
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
0.542
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
27.4
Gunning-Fog Score
14.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10
Jon Kyl
Furthermore, she says:
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
Readability
Flesch-Kincaid Grade
5.2
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
1.2
Coleman-Liau Index
12
SMOG Index
9
Automated Readability Index
8.3
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
Jon Kyl
Madam President, I hope there will be no dissent to these anti-fraud provisions. Certainly, there should not be. Bankruptcy relief should be available to people who work hard and play by rules, yet fall unexpectedly upon hard times. Perpetrators of fraud should not be allowed to find safe haven in the bankruptcy law.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
-0.16667
Leans Negative
Harvard-IV (Absolute)
-0.16667
Leans Negative
Harvard-IV (Logit)
-0.31015
VADER
0.048
Neutral
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
64.7
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.8
Dale-Chall Readability Score
5.1
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Jon Kyl
The second amendment I offered, and which has been incorporated into this bill, is found in Section 315. It, too, is simple and straight- forward. It says that debts that are incurred to pay non-dischargeable debts are themselves non-dischargeable. In other words, if someone borrows money to pay a debt that cannot be erased in bankruptcy, that new debt could not be erased either. The idea is to prevent unscrupulous individuals from gaming the system and obtaining a discharge of debt that would otherwise be non-dischargeable.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.05263
Neutral
Harvard-IV (Absolute)
0.05263
Neutral
Harvard-IV (Logit)
0.10008
VADER
-0.743
Very Negative
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
53.8
Gunning-Fog Score
13.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.1
Dale-Chall Readability Score
5.7
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
24
Jon Kyl
I want to emphasize that we have taken special care to ensure that debts incurred to pay non-dischargeable debts will not compete with non-dischargeable child- or family-support in a post-bankruptcy environment.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.813
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
36
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
14
Sprache Difficult Word Count
12
Jon Kyl
The third amendment of mine adopted in committee is reflected in Section 316 of the bill, and it is intended to discourage people from running up large debts on the eve of bankruptcy, particularly when they have no ability or intention of making good on their obligations.
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
0.052
Neutral
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.5
Gunning-Fog Score
19
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
17
Jon Kyl
Current law effectively gives unscrupulous individuals a green light to run their credit cards just before filing for bankruptcy, knowing they will never be liable for the charges they are incurring. That is wrong, and it has got to stop.
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
-0.226
Slightly Negative
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
53.3
Gunning-Fog Score
14
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
4.9
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
12
Jon Kyl
The provision would establish a presumption that consumer debt run up on the eve of bankruptcy would be non-dischargeable. The provision is not self-executing. In other words, it would still require that a lawsuit be brought by the creditor against the debtor. Many valid claims for nondischargeability are never filed, because the creditors do not have enough money at stake to justify the litigation costs. But if this provision achieves the intended purpose, debtors will not only minimize the run-up of additional debt, they will have more money available after bankruptcy to pay priority obligations, including alimony and child support.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.05263
Neutral
Harvard-IV (Absolute)
0.05263
Neutral
Harvard-IV (Logit)
0.10008
VADER
-0.671
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.9
Gunning-Fog Score
17.2
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
37
Sprache Difficult Word Count
34
Jon Kyl
Again, special care has been taken to ensure that we are only talking about debts incurred within 90 days of bankruptcy for goods or services that are not necessary for the maintenance or support of the debtor or dependent child. We want to be sure that family obligations are met.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.915
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.9
Gunning-Fog Score
15.6
Coleman-Liau Index
10.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
14
Jon Kyl
Madam President, I want to discuss one other aspect of the bill before closing, and that relates to the many provisions that Senators Hatch, Grassley, and I crafted to protect the interests of women and children.
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
0.599
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.7
Gunning-Fog Score
16.6
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
11
Sprache Difficult Word Count
13
Jon Kyl
Nothing in the original version of the bill changed the priority of, or any of the other protections that are accorded to, child-support and alimony under current law. If members of the Senate have not seen the relevant analysis done by Judge Edith Jones of the Fifth Circuit Court of Appeals, I will submit it for the Record now. I ask unanimous consent that it be printed 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)
2.70805
VADER
0.133
Leans Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
50.6
Gunning-Fog Score
14.5
Coleman-Liau Index
10.1
SMOG Index
12
Automated Readability Index
11.1
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
27
Jon Kyl
Even though current law is clear -- and even though the original version of the bill made no change in the protections that it provides -- concerns were expressed that provisions of the legislation might indirectly or even inadvertently affect ex-spouses and children of divorce. Assuming that critics were operating in good faith -- and because our intent was always to ensure that family obligations were met first -- Senators Hatch, Grassley, and I crafted an amendment to remove any doubt whatsoever about whether women and children come first.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.38462
Somewhat Positive
Harvard-IV (Absolute)
0.38462
Somewhat Positive
Harvard-IV (Logit)
0.74721
VADER
0.743
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.6
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
28
Sprache Difficult Word Count
34
Jon Kyl
The Hatch-Grassley-Kyl amendment elevates the priority of child- support from its current number seven on the priority list for purposes of payment to number one -- ahead of six other items, including lawyer's fees that are now afforded higher priority. Our amendment mandates -- mandates -- that all child support and alimony be paid before all other obligations in a Chapter 13 plan. It conditions both confirmation and discharge of a Chapter 13 plan upon complete payment of all child support and alimony that is due before and after the bankruptcy petition is filed. It helps women and children reach exempt property and collect support payments notwithstanding contrary federal or state law. It exempts state child-support collection authority from the automatic stay under bankruptcy law to ensure prompt collection of child-support payments. And it extends the protection accorded an ex- spouse by making almost all obligations one ex-spouse owes to the other non-dischargeable.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.44
Positive
Harvard-IV (Absolute)
0.44
Positive
Harvard-IV (Logit)
0.90287
VADER
0.951
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.6
Gunning-Fog Score
18.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
60
Sprache Difficult Word Count
51
Jon Kyl
Despite the various protections we have laid out, I know that some will still contend that child-support and alimony could be placed in competition with other debts that are made non-dischargeable by other provisions of the bill. But if placing more debt into the non- dischargeable category were really harmful to the interests of women and children, critics would also object to an amendment that Senator Torricelli offered in the Judiciary Committee -- an amendment that added tort judgments for intentional torts causing personal injury or death to the list of non-dischargeable debts. But the Torricelli amendment passed without objection in committee. As a society, we have decided that people who do harm to others should be held accountable for their actions. Senator Torricelli's amendment will do that, and I support it.
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 Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.27444
VADER
-0.882
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.2
Gunning-Fog Score
18.2
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
52
Sprache Difficult Word Count
41
Jon Kyl
Let us keep several points in mind about the debts that are made non- dischargeable by the bill. First, even though they are made non- dischargeable, they are given a lower priority for payment than child support and alimony. The Hatch-Grassley-Kyl amendment makes that crystal clear.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.36772
VADER
0.477
Positive
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
63.7
Gunning-Fog Score
11.4
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
9.1
Dale-Chall Readability Score
5.4
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
16
Jon Kyl
Second, the debts made newly non-dischargeable by the bill include debts incurred by fraud, debts run up on the eve of bankruptcy by those with no intention or no ability of paying, and debts that are incurred to pay otherwise non-dischargeable debts. We are talking about abusive use of credit. Are those who still contend we have not gone far enough really suggesting that individuals who engage in fraud and other abusive credit practices should be allowed to have those debts erased or otherwise sanctioned by the bankruptcy code? I hope not.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
-0.04
Neutral
Harvard-IV (Absolute)
-0.04
Neutral
Harvard-IV (Logit)
-0.07696
VADER
-0.869
Very Negative
Readability
Flesch-Kincaid Grade
11.9
Flesch-Kincaid Ease
51.6
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
35
Sprache Difficult Word Count
27
Jon Kyl
When people run up debts they have no intention of paying -- when people are allowed to walk away from fraud and other harm caused to others -- they shift a greater financial burden onto honest, hard-working families in America, including those that depend on child support to make ends meet. As I indicated at the beginning of my remarks, estimates are that bankruptcy costs every American family an extra $400 a year. Bankruptcy reform can reduce that burden.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.58779
Harvard-IV (Relative)
0.28571
Slightly Positive
Harvard-IV (Absolute)
0.28571
Slightly Positive
Harvard-IV (Logit)
0.54654
VADER
-0.778
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.7
Gunning-Fog Score
16.6
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
24
Sprache Difficult Word Count
27
Jon Kyl
Former Senator Lloyd Bentsen, who served as President Clinton's original Treasury Secretary, wrote an excellent column about abuse of the bankruptcy code, and ask it be printed in the Record at the conclusion of my remarks.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
0.382
Somewhat Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
24.6
Gunning-Fog Score
18.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
20
Jon Kyl
Madam President, failure to pass bankruptcy reform this year would be unfair to the millions of Americans who play by the rules, work hard every day, and struggle to pay their bills.
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
-0.796
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
50.1
Gunning-Fog Score
16.6
Coleman-Liau Index
11.2
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
11
Jon Kyl
This bill does not go as far as I would like, but in the interest of moving it to final passage in the relatively short amount of time before adjournment, I will support the bill in its current form. I hope my colleagues will join me in voting in favor of the legislation.
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
0.961
Very Positive
Readability
Flesch-Kincaid Grade
11.2
Flesch-Kincaid Ease
61.8
Gunning-Fog Score
14.4
Coleman-Liau Index
8.2
SMOG Index
12
Automated Readability Index
11
Dale-Chall Readability Score
4.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
15
Jon Kyl
I ask unanimous consent that the article by former Senator Bentsen be printed 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)
1.09861
VADER
0.226
Slightly Positive
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
42.5
Gunning-Fog Score
11.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
7.7
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8
Chuck Grassley
Madam President, I suggest the absence of a quorum.
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
Neutral
Readability
Flesch-Kincaid Grade
6.3
Flesch-Kincaid Ease
66.1
Gunning-Fog Score
3.6
Coleman-Liau Index
11
SMOG Index
3.3
Automated Readability Index
4.5
Dale-Chall Readability Score
9.2
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
5
The Presiding Officer
The PRESIDING OFFICER.
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
Readability
Flesch-Kincaid Grade
3.2
Flesch-Kincaid Ease
80.1
Gunning-Fog Score
1.8
Coleman-Liau Index
11.6
SMOG Index
9
Automated Readability Index
2.8
Dale-Chall Readability Score
2
Sprache Readability Score
1.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
3
Joe Biden
Madam President, I ask unanimous consent that the order for the quorum call be rescinded.
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
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
50.6
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
9
Dale-Chall Readability Score
7.1
Sprache Readability Score
3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
6
The Presiding Officer
The PRESIDING OFFICER.
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
Neutral
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
42.5
Gunning-Fog Score
6.2
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
5.9
Dale-Chall Readability Score
5.5
Sprache Readability Score
1.5
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Joe Biden
Madam President, I ask unanimous consent -- I have the impression that this is all right with the majority and minority -- that I be able to proceed as in morning business to speak on the situation in Russia for up to 30 minutes, or shorter if anyone comes to the floor and wishes to resume the business of the Senate?
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)
1.09861
VADER
0.527
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.8
Gunning-Fog Score
19
Coleman-Liau Index
9.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
14
The Presiding Officer
The PRESIDING OFFICER.
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
-0.296
Slightly Negative
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
49.5
Gunning-Fog Score
6
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
4.6
Dale-Chall Readability Score
5
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
5