Fact
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Senate Floor: BANKRUPTCY REFORM
Topics
Entities
Moderation
3 Speakers
Topics
No topics found
Entities
No entities found
Moderation
No moderation found
Speakers
Joe Biden Joe Biden said 114 sentences of a total of 202 sentences.
57%
Joe Biden said 2392 words of a total of 3857 words.
63%
Chuck Grassley Chuck Grassley said 83 sentences of a total of 202 sentences.
42%
Chuck Grassley said 1441 words of a total of 3857 words.
38%
The Presiding Officer The Presiding Officer said 4 sentences of a total of 202 sentences.
2%
The Presiding Officer said 21 words of a total of 3857 words.
1%
Full Transcript
Chuck Grassley
Mr. President, I rise this morning to speak on the topic of bankruptcy reform. As many of my colleagues may know, Congress is on the verge of enacting fundamental bankruptcy reform. Earlier this year, the Senate passed bankruptcy reform by an overwhelming vote of 83-14. Almost all Republicans voted for the bill and about one-half of the Democrats voted for it as well. Despite this, a tiny minority of Senators are using undemocratic tactics to prevent us from going to conference with the House of Representatives.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.296
Slightly Positive
Moderation
Harassment
0.0865021837
OpenAI Moderation v1 (007)
Violence
0.0230185193
OpenAI Moderation v1 (007)
Hate
0.0190687118
OpenAI Moderation v1 (007)
Violence > Graphic
0.0099054829
OpenAI Moderation v1 (007)
Sexual
0.00573336
OpenAI Moderation v1 (007)
Self-Harm
0.0014486226
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000170565
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001410879
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000107046
OpenAI Moderation v1 (007)
Hate > Threatening
1.41497E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.8657E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
59.667
Magnitude:
86
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Government Operations
Score:
21.227
Magnitude:
86
Code:
20
Url:
https://fsc.al/cap-mc#20
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
54.5
Gunning-Fog Score
10.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.2
Dale-Chall Readability Score
6.5
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
30
Chuck Grassley
As I'm speaking now, the House and Senate have informally agreed on 99 percent of all the issues and have drafted an agreement which has bicameral and bipartisan support. The remaining three issues are sort of side shows, and I'm confident we'll be able to move from the one yard line to the end zone. My remarks this morning relate the agreement we've reached on the core bankruptcy issues and the continuing need for bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.16667
Leans Positive
Harvard-IV (Absolute)
0.16667
Leans Positive
Harvard-IV (Logit)
0.31015
VADER
0.93
Very Positive
Moderation
Violence
0.0135742186
OpenAI Moderation v1 (007)
Violence > Graphic
0.0050455365
OpenAI Moderation v1 (007)
Harassment
0.0013482898
OpenAI Moderation v1 (007)
Sexual
0.0010615466
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004807539
OpenAI Moderation v1 (007)
Hate
0.0002851004
OpenAI Moderation v1 (007)
Self-Harm
0.0001867266
OpenAI Moderation v1 (007)
Sexual > Minors
5.23079E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.09974E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.03895E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.5295E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
81.878
Magnitude:
75
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.7
Flesch-Kincaid Ease
56.4
Gunning-Fog Score
15.4
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
25
Chuck Grassley
As I've stated before on the Senate floor, every bankruptcy filed in America creates upward pressure on interest rates and prices for goods and services. The more bankruptcies filed, the greater the upward pressure. I know that some of our more liberal colleagues are trying to stir up opposition to bankruptcy reform by denying this point and saying that tightening bankruptcy laws only helps lenders be more profitable. This just isn't true. Even the Clinton administration's own Treasury Secretary Larry Summers indicated that bankruptcies tend to drive up interest rates. Mr. President, if you believe Secretary Summers, bankruptcies are everyone's problem. Regular hardworking Americans have to pay higher prices for goods and services as a result of bankruptcies. That's a compelling reason for us to enact bankruptcy reform during this Congress.
Sentiment
Loughran McDonald (Relative)
-0.69231
Very Negative
Loughran McDonald (Absolute)
-0.69231
Very Negative
Loughran McDonald (Logit)
-1.52606
Harvard-IV (Relative)
-0.13333
Leans Negative
Harvard-IV (Absolute)
-0.13333
Leans Negative
Harvard-IV (Logit)
-0.25951
VADER
0.824
Very Positive
Moderation
Harassment
0.0289591233
OpenAI Moderation v1 (007)
Violence
0.0045477202
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035953857
OpenAI Moderation v1 (007)
Self-Harm
0.0033077675
OpenAI Moderation v1 (007)
Hate
0.002522939
OpenAI Moderation v1 (007)
Sexual
0.0022133983
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006189152
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002934625
OpenAI Moderation v1 (007)
Sexual > Minors
7.43567E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.84232E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.2182E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.093
Magnitude:
131
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
44.8
Gunning-Fog Score
13.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.2
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
52
Sprache Difficult Word Count
46
Chuck Grassley
Of course, any bankruptcy reform bill must preserve a fresh start for people who have been overwhelmed by medical debts or sudden, unforeseen emergencies. That's why the bill that passed the Senate -- as well as the final bicameral agreement -- allows for the full, 100 percent deductibility of medical expenses. This is according to the nonpartisan, unbiased General Accounting Office. Bankruptcy reform must be fair, and the bicameral agreement on bankruptcy preserves fair access to bankruptcy for people truly in need.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.947
Very Positive
Moderation
Violence
0.0190214807
OpenAI Moderation v1 (007)
Violence > Graphic
0.0086908076
OpenAI Moderation v1 (007)
Self-Harm
0.0012291795
OpenAI Moderation v1 (007)
Harassment
0.0010620904
OpenAI Moderation v1 (007)
Hate
0.0007936183
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003905323
OpenAI Moderation v1 (007)
Sexual
0.0001398248
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001155543
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001075593
OpenAI Moderation v1 (007)
Sexual > Minors
3.62473E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.06057E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
93.058
Magnitude:
81
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.3
Gunning-Fog Score
17
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
26
Chuck Grassley
These are good times in our Nation. Thanks to the fiscal discipline initiated by Congress, and the hard work of the American people, we have a balanced budget and budget surplus. Unemployment is low, we have a burgeoning stock market and most Americans are optimistic about the future.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0.458
Positive
Moderation
Harassment
0.0068769892
OpenAI Moderation v1 (007)
Violence
0.0025719059
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004425022
OpenAI Moderation v1 (007)
Hate
0.0004076212
OpenAI Moderation v1 (007)
Sexual
0.0003995664
OpenAI Moderation v1 (007)
Harassment > Threatening
8.29845E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.6088E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.911E-6
OpenAI Moderation v1 (007)
Self-Harm
4.4981E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.739E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.923E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Macroeconomics
Score:
93.843
Magnitude:
48
Code:
1
Url:
https://fsc.al/cap-mc#1
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.1
Flesch-Kincaid Ease
51.4
Gunning-Fog Score
10.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
5.7
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
14
Chuck Grassley
But in the midst of this incredible prosperity, about 1\1/2\ million Americans declared bankruptcy in 1998 alone. And in 1999, there were just under 1.4 million bankruptcy filings. To put this in some historical context, since 1990, the rate of personal bankruptcy filings has increased almost 100 percent.
Sentiment
Loughran McDonald (Relative)
-0.2
Slightly Negative
Loughran McDonald (Absolute)
-0.2
Slightly Negative
Loughran McDonald (Logit)
-0.33647
Harvard-IV (Relative)
-0.6
Very Negative
Harvard-IV (Absolute)
-0.6
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
0.026
Neutral
Moderation
Violence > Graphic
0.0244310824
OpenAI Moderation v1 (007)
Harassment
0.0163677745
OpenAI Moderation v1 (007)
Violence
0.0051525429
OpenAI Moderation v1 (007)
Self-Harm
0.0037852198
OpenAI Moderation v1 (007)
Hate
0.0019620373
OpenAI Moderation v1 (007)
Sexual
0.0004318491
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004053031
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.85712E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.13502E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.9468E-6
OpenAI Moderation v1 (007)
Hate > Threatening
7.262E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
34.496
Magnitude:
42
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Law and Crime
Score:
25.766
Magnitude:
42
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
57.3
Gunning-Fog Score
14.7
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
8.7
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
14
Chuck Grassley
With large numbers of bankruptcies occurring at a time when Americans are earning more than ever, the only logical conclusion is that some people are using bankruptcy as an easy out. The basic policy question we have to answer is this: Should people with means who declare bankruptcy be required to pay at least some of their debts or non? Right now, the current bankruptcy system is oblivious to the financial condition of someone asking to be excused from paying his debts. The richest captain of industry could walk into a bankruptcy court tomorrow and walk out with his debts erased. And, as I described earlier, the rest of America will pay higher prices for goods and services as a result.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.95551
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.38566
VADER
0.671
Very Positive
Moderation
Harassment
0.1399726258
OpenAI Moderation v1 (007)
Violence
0.0881371787
OpenAI Moderation v1 (007)
Violence > Graphic
0.0287984702
OpenAI Moderation v1 (007)
Hate
0.0282135443
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0225777476
OpenAI Moderation v1 (007)
Self-Harm
0.0201570743
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.010839165
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003678884
OpenAI Moderation v1 (007)
Sexual
0.0002390472
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001297678
OpenAI Moderation v1 (007)
Sexual > Minors
2.6741E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
91.682
Magnitude:
121
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
48.7
Gunning-Fog Score
16
Coleman-Liau Index
11.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
34
Chuck Grassley
I would ask my liberal friends to think about that for a second. If we had no bankruptcy system at all, and we were starting from scratch, would we design a system that lets the rich walk away from their debts and shift the costs to society at large, including the poor and the middle class? That wouldn't be fair. But that's exactly the system we have now. Fundamental bankruptcy reform is clearly in order.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
0.575
Very Positive
Moderation
Harassment
0.2264214447
OpenAI Moderation v1 (007)
Violence
0.0193598593
OpenAI Moderation v1 (007)
Hate
0.0124572805
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0118929653
OpenAI Moderation v1 (007)
Violence > Graphic
0.0034436613
OpenAI Moderation v1 (007)
Self-Harm
0.0021679238
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0011072577
OpenAI Moderation v1 (007)
Sexual
0.0002462156
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001138227
OpenAI Moderation v1 (007)
Hate > Threatening
3.73222E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.98872E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
72.054
Magnitude:
75
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.6
Flesch-Kincaid Ease
74.3
Gunning-Fog Score
9.7
Coleman-Liau Index
9.6
SMOG Index
10
Automated Readability Index
6.4
Dale-Chall Readability Score
4.3
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
16
Chuck Grassley
Mr. President, I want my colleagues to know that the bicameral agreement preserves the Torricelli-Grassley amendment to require credit card companies to give consumers meaningful information about minimum payments on credit cards. Consumers will be warned against making only minimum payments, and there will be an example to drive this point home. As with the Senate-passed bill, the bicameral agreement will give consumers a toll-free phone number to call where they can get information about how long it will take to pay off their own credit card balances if they make only the minimum payments. This new information will truly educate consumers and improve the financial literacy of millions of American consumers.
Sentiment
Loughran McDonald (Relative)
0.6
Very Positive
Loughran McDonald (Absolute)
0.6
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.73913
Very Positive
Harvard-IV (Absolute)
0.73913
Very Positive
Harvard-IV (Logit)
1.76766
VADER
0.961
Very Positive
Moderation
Violence
0.0060957042
OpenAI Moderation v1 (007)
Violence > Graphic
0.0017550812
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007328919
OpenAI Moderation v1 (007)
Sexual
0.0005646986
OpenAI Moderation v1 (007)
Harassment
0.0004694911
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003717481
OpenAI Moderation v1 (007)
Self-Harm
0.0001070253
OpenAI Moderation v1 (007)
Hate
2.61056E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.01651E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.55059E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.00776E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.656
Magnitude:
112
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.6
Gunning-Fog Score
17.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
33
Chuck Grassley
The bicameral agreement also makes chapter 12 of the Bankruptcy Code permanent. This means that America's family farms are guaranteed the ability to reorganize as our farm economy continues to be weak. As we all know from our recent debate on emergency farm aid, while prices have rebounded somewhat, farmers in my home State of Iowa and across the Nation are getting some of the lowest prices every for pork, corn, and soybeans. And fuel prices have shot up through the roof. The bicameral agreement broadens the definition of "family farmer" and permits farmers in chapter 12 to avoid crushing capital gains taxes when selling farm assets to generate cash flow. It would be highly irresponsible of my liberal friends to continue blocking bankruptcy protections for our family farmers in this time of need.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.18519
Leans Positive
Harvard-IV (Absolute)
0.18519
Leans Positive
Harvard-IV (Logit)
0.36101
VADER
-0.395
Somewhat Negative
Moderation
Violence
0.1231385861
OpenAI Moderation v1 (007)
Violence > Graphic
0.0233457948
OpenAI Moderation v1 (007)
Harassment
0.0220936417
OpenAI Moderation v1 (007)
Hate
0.0054263801
OpenAI Moderation v1 (007)
Sexual
0.0012628136
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003356538
OpenAI Moderation v1 (007)
Self-Harm
0.0002315909
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.75218E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.11254E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.12812E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.1578E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Agriculture
Score:
93.235
Magnitude:
132
Code:
4
Url:
https://fsc.al/cap-mc#4
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.1
Gunning-Fog Score
16.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
41
Sprache Difficult Word Count
47
Chuck Grassley
The bicameral agreement is solidly bi-partisan and will pass by a huge margin when it comes up for a vote. The bill is fair and contains some of the broadest consumer protections of any legislation passed in the last decade. So, how can any person possibly argue against a bill which strengthens consumer protections while cracking down on abuses by the well-to-do?
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.586
Very Positive
Moderation
Harassment
0.0509241887
OpenAI Moderation v1 (007)
Violence
0.0221031223
OpenAI Moderation v1 (007)
Violence > Graphic
0.016134305
OpenAI Moderation v1 (007)
Hate
0.0056981058
OpenAI Moderation v1 (007)
Sexual
0.0023908275
OpenAI Moderation v1 (007)
Self-Harm
0.0005887618
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004355775
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001801643
OpenAI Moderation v1 (007)
Hate > Threatening
6.75765E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.96144E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.86877E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
45.698
Magnitude:
62
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.4
Flesch-Kincaid Ease
52.1
Gunning-Fog Score
15.4
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
22
Chuck Grassley
The tiny handful of fringe radicals who oppose bankruptcy reform have waged a disinformation campaign worthy of a Soviet Commissar. A recent article in Time Magazine is a case in point. This article purports to prove that bankruptcy reform will harm low-income people or people with huge medical bills. This article is simply false.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-2.56495
VADER
0.178
Leans Positive
Moderation
Harassment
0.9663934819
OpenAI Moderation v1 (007)
Hate
0.0519748079
OpenAI Moderation v1 (007)
Violence
0.0283459289
OpenAI Moderation v1 (007)
Violence > Graphic
0.0174405082
OpenAI Moderation v1 (007)
Self-Harm
0.0068780515
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000645231
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004113639
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001239941
OpenAI Moderation v1 (007)
Sexual
5.41267E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.60696E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.2966E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
67.86
Magnitude:
54
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
48.3
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
6.4
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
23
Chuck Grassley
What's most interesting about this Time article is what it fails to report. Time, for instance, fails to mention that the means test, which sorts people who can repay into repayment plans, doesn't apply to families below the median income for the State in which they live. The Time article then proceeds to give several examples of families who would allegedly be denied the right to liquidate if bankruptcy reform were to pass. Each of these families, however, would not even be subjected to the means test since they earn less than the median income. While this sounds technical, it's important -- not even one of the examples in the Time article would be affected by the means test. For the convenience of my colleagues, I have collected the actual bankruptcy petitions of the families referred to in the Time article, and I will provide them to any Senator.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
-0.653
Very Negative
Moderation
Harassment
0.0266676361
OpenAI Moderation v1 (007)
Violence > Graphic
0.0089141766
OpenAI Moderation v1 (007)
Self-Harm
0.0068322064
OpenAI Moderation v1 (007)
Violence
0.0054992433
OpenAI Moderation v1 (007)
Hate
0.0036665824
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0034862471
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0022192742
OpenAI Moderation v1 (007)
Sexual
0.0014204064
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006938407
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001796375
OpenAI Moderation v1 (007)
Hate > Threatening
8.62489E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
83.791
Magnitude:
149
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
51.5
Gunning-Fog Score
17.7
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
38
Chuck Grassley
Time fails to mention the massive new consumer protections in our bankruptcy reform bill. Time fails to mention the new disclosure requirements on credit cards regarding interest rates and minimum payments. In short, the Time article fails to tell the whole truth. I think that the American people deserve the whole truth.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.202
Slightly Positive
Moderation
Violence > Graphic
0.0411868707
OpenAI Moderation v1 (007)
Harassment
0.0152322653
OpenAI Moderation v1 (007)
Violence
0.0144324251
OpenAI Moderation v1 (007)
Sexual
0.0047903286
OpenAI Moderation v1 (007)
Hate
0.0018352306
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000907734
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007945931
OpenAI Moderation v1 (007)
Self-Harm
0.0001315394
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.62119E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.21175E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.2025E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
89.8
Magnitude:
52
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
60.2
Gunning-Fog Score
12.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.2
Dale-Chall Readability Score
5.2
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
20
Chuck Grassley
The truth is that these bankruptcies represent a clear and present danger to America's small businesses. Growth among small businesses is one of the primary engines of our economic success.
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
0.778
Very Positive
Moderation
Harassment
0.0860166736
OpenAI Moderation v1 (007)
Violence
0.049682596
OpenAI Moderation v1 (007)
Sexual
0.004895293
OpenAI Moderation v1 (007)
Violence > Graphic
0.0037056398
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026900154
OpenAI Moderation v1 (007)
Hate
0.0023879289
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003010315
OpenAI Moderation v1 (007)
Self-Harm
0.0002827118
OpenAI Moderation v1 (007)
Hate > Threatening
0.000103008
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.26366E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.0546E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.495
Magnitude:
30
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
47.8
Gunning-Fog Score
14
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.7
Dale-Chall Readability Score
4.4
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
11
Chuck Grassley
The truth is bankruptcies hurt real people. Sometimes that will be inevitable. But it's not fair to permit people who can repay to skip out on their debts. I think most people, including most of us in Congress, have a basic sense of fairness that tells us bankruptcy reform is needed to restore balance. Let me share what my constituents are telling me.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.11111
Leans Positive
Harvard-IV (Absolute)
0.11111
Leans Positive
Harvard-IV (Logit)
0.20067
VADER
0.231
Slightly Positive
Moderation
Harassment
0.0217872381
OpenAI Moderation v1 (007)
Violence
0.0175917754
OpenAI Moderation v1 (007)
Violence > Graphic
0.0054557375
OpenAI Moderation v1 (007)
Hate
0.0050890758
OpenAI Moderation v1 (007)
Self-Harm
0.0030516021
OpenAI Moderation v1 (007)
Sexual
0.0030219151
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0012133356
OpenAI Moderation v1 (007)
Harassment > Threatening
0.00085795
OpenAI Moderation v1 (007)
Sexual > Minors
5.44107E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.45577E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.5404E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
94.624
Magnitude:
63
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.7
Flesch-Kincaid Ease
69.2
Gunning-Fog Score
8.8
Coleman-Liau Index
10.6
SMOG Index
9.5
Automated Readability Index
6
Dale-Chall Readability Score
4.9
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18
Chuck Grassley
I ask unanimous consent to have some of their comments 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
Moderation
Violence > Graphic
0.0044435128
OpenAI Moderation v1 (007)
Sexual
0.003701479
OpenAI Moderation v1 (007)
Violence
0.0023921182
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017979368
OpenAI Moderation v1 (007)
Harassment
0.001652181
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005736131
OpenAI Moderation v1 (007)
Hate
0.0004783676
OpenAI Moderation v1 (007)
Self-Harm
2.63456E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.93826E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.7161E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.79E-8
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
65.7
Gunning-Fog Score
8.5
Coleman-Liau Index
10.7
SMOG Index
9
Automated Readability Index
6.8
Dale-Chall Readability Score
5.2
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5
Chuck Grassley
Mr. President, bankruptcy reform will happen. Our cause is right and just, and average Americans are strongly supportive of restoring fairness to the bankruptcy system.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.671
Very Positive
Moderation
Harassment
0.0769290782
OpenAI Moderation v1 (007)
Hate
0.0204676617
OpenAI Moderation v1 (007)
Violence
0.0058670881
OpenAI Moderation v1 (007)
Violence > Graphic
0.0057460424
OpenAI Moderation v1 (007)
Sexual
0.002593689
OpenAI Moderation v1 (007)
Self-Harm
0.0018366138
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0006302933
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003819998
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002674399
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.14883E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.20014E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Government Operations
Score:
73.312
Magnitude:
112
Code:
20
Url:
https://fsc.al/cap-mc#20
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
49.5
Gunning-Fog Score
11.3
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
8.9
Dale-Chall Readability Score
8
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
11
Chuck Grassley
I am going to yield the floor now. Before I do, I thank Senator Biden, who is next to speak on this subject. If it had not been for Senator Biden working with us in a bipartisan way to get bankruptcy reform, it would never have passed by the wide margin of 84-13. He is a sincere person working on this. He has contributed immensely to it.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.25
Slightly Negative
Harvard-IV (Absolute)
-0.25
Slightly Negative
Harvard-IV (Logit)
-0.45199
VADER
0.637
Very Positive
Moderation
Violence > Graphic
0.0697093434
OpenAI Moderation v1 (007)
Violence
0.0570501375
OpenAI Moderation v1 (007)
Harassment
0.0144714388
OpenAI Moderation v1 (007)
Self-Harm
0.0099957761
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0067821071
OpenAI Moderation v1 (007)
Hate
0.001394486
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0012935086
OpenAI Moderation v1 (007)
Sexual
0.0007792125
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005784931
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005360638
OpenAI Moderation v1 (007)
Hate > Threatening
2.9928E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
82.081
Magnitude:
90
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
5.7
Flesch-Kincaid Ease
78.6
Gunning-Fog Score
7.8
Coleman-Liau Index
6.7
SMOG Index
9.5
Automated Readability Index
3.4
Dale-Chall Readability Score
4.4
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
14
Chuck Grassley
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
Violence
0.0285902002
OpenAI Moderation v1 (007)
Harassment
0.0017647822
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014709733
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012193269
OpenAI Moderation v1 (007)
Self-Harm
0.0010835887
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0008184684
OpenAI Moderation v1 (007)
Hate
0.0005525251
OpenAI Moderation v1 (007)
Sexual > Minors
9.49277E-5
OpenAI Moderation v1 (007)
Sexual
6.12283E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.10402E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.0468E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
89.753
Magnitude:
53
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
1.6
Coleman-Liau Index
4.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.1
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
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
0.0860473374
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0328234542
OpenAI Moderation v1 (007)
Violence > Graphic
0.0214179381
OpenAI Moderation v1 (007)
Self-Harm
0.0139072261
OpenAI Moderation v1 (007)
Violence
0.0114137081
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0078474397
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0033466549
OpenAI Moderation v1 (007)
Hate
0.0017730212
OpenAI Moderation v1 (007)
Sexual
8.95683E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.4937E-6
OpenAI Moderation v1 (007)
Sexual > Minors
7.7377E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
85.469
Magnitude:
57
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
45.6
Gunning-Fog Score
5.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
6.3
Dale-Chall Readability Score
5.6
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
5
Joe Biden
Mr. President, let me begin by thanking my colleague from Iowa. He and I have worked together on a lot of issues. We tend to approach issues from a slightly different perspective but often end up in the same place, and that is the case here.
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
Neutral
Moderation
Violence > Graphic
0.1626591547
OpenAI Moderation v1 (007)
Violence
0.05729525
OpenAI Moderation v1 (007)
Harassment
0.0151073618
OpenAI Moderation v1 (007)
Self-Harm
0.0067296394
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.002566878
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0020758072
OpenAI Moderation v1 (007)
Hate
0.0019185754
OpenAI Moderation v1 (007)
Sexual > Minors
0.000729876
OpenAI Moderation v1 (007)
Sexual
0.0007295823
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002060614
OpenAI Moderation v1 (007)
Hate > Threatening
6.5982E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
86.99
Magnitude:
61
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
5.1
Flesch-Kincaid Ease
79.3
Gunning-Fog Score
7.2
Coleman-Liau Index
8.5
SMOG Index
9
Automated Readability Index
3.8
Dale-Chall Readability Score
4.7
Sprache Readability Score
3
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
11
Joe Biden
My concern in the reform of the bankruptcy code was not as much driven by those who were avoiding debt as his was but about making sure the overall consumer is protected. When people avoid debts they can pay, it is a simple proposition: My mother living on Social Security pays more at the department store to purchase something, my sons, who are beginning their careers, and my daughter pay more on their credit card bill because someone else does not pay.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.63599
VADER
0.816
Very Positive
Moderation
Violence > Graphic
0.0386053667
OpenAI Moderation v1 (007)
Harassment
0.0359685684
OpenAI Moderation v1 (007)
Violence
0.0275166531
OpenAI Moderation v1 (007)
Self-Harm
0.0075104763
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0064042171
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0033074994
OpenAI Moderation v1 (007)
Hate
0.0007529692
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0004778747
OpenAI Moderation v1 (007)
Sexual
0.0001384517
OpenAI Moderation v1 (007)
Hate > Threatening
2.8098E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.7453E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
79.023
Magnitude:
37
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.3
Gunning-Fog Score
19
Coleman-Liau Index
10.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
24
Joe Biden
In recent days, a number of my colleagues have brought the Time magazine article to my attention and to the attention of the Senator from Iowa and others. If you took a look at the Time magazine article and read it thoroughly, you would think we were about to tread on the downtrodden, deserving Americans who are about to be, and I quote from the article, "soaked by the Congress." My colleagues have pointed this out to me. They find it a very disturbing article. It tells a tale of corruption and greed and heartlessness, claims that hard-working, honest, American families are about to be cut off from the fresh start promised by the bankruptcy code, and that lenders, who have driven these families into economic distress, are about to kick them when they are down.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.05882
Neutral
Harvard-IV (Absolute)
0.05882
Neutral
Harvard-IV (Logit)
0.11123
VADER
-0.8
Very Negative
Moderation
Harassment
0.3315744456
OpenAI Moderation v1 (007)
Violence
0.00540285
OpenAI Moderation v1 (007)
Hate
0.005114642
OpenAI Moderation v1 (007)
Violence > Graphic
0.0010467667
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002869421
OpenAI Moderation v1 (007)
Self-Harm
0.0002149812
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001980842
OpenAI Moderation v1 (007)
Sexual
9.38883E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.90393E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.32846E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.203E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Civil Rights
Score:
41.769
Magnitude:
62
Code:
2
Url:
https://fsc.al/cap-mc#2
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
51.8
Gunning-Fog Score
17.1
Coleman-Liau Index
10.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
30
Joe Biden
Most shocking in the article, perhaps, from my perspective, is the claim that the U.S. Congress, by passing the bankruptcy reform legislation which passed out of here overwhelmingly, will make all this happen. As I said, it is a very disturbing article. It is hard to see how anyone, in my view, could vote for bankruptcy reform if, in fact, the essence of the article were true. But I remind my colleagues that bankruptcy reform legislation, not this imaginary legislation described in the article, passed the House by a vote of 313-108, and the Senate by 84-13. So this article claims a vast majority of both our parties in both Houses of Congress are conspirators in an alleged plot to hit those who are down on their luck.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.94444
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.63599
VADER
0.019
Neutral
Moderation
Harassment
0.1772224554
OpenAI Moderation v1 (007)
Violence > Graphic
0.1202432904
OpenAI Moderation v1 (007)
Violence
0.0112435584
OpenAI Moderation v1 (007)
Self-Harm
0.0078904362
OpenAI Moderation v1 (007)
Sexual
0.0039751318
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.003791448
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0029055247
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0021170466
OpenAI Moderation v1 (007)
Hate
0.0015286592
OpenAI Moderation v1 (007)
Sexual > Minors
0.001030674
OpenAI Moderation v1 (007)
Hate > Threatening
1.23153E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Social Welfare
Score:
66.901
Magnitude:
50
Code:
13
Url:
https://fsc.al/cap-mc#13
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
65.1
Gunning-Fog Score
13
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
25
Joe Biden
The problem with this portrayal is the bankruptcy reform bill now in conference is the antithesis of what they have said. Their article is simply dead wrong. I do not ever recall coming to the floor of the Senate in my 28 years and saying unequivocally: One of the most respected periodicals and magazines in the country, with a major article, is simply dead, flat, absolutely wrong. I don't recall ever being compelled to do that or being inclined to do that.
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
-0.935
Very Negative
Moderation
Harassment
0.0305431022
OpenAI Moderation v1 (007)
Violence > Graphic
0.0100576668
OpenAI Moderation v1 (007)
Violence
0.0073682626
OpenAI Moderation v1 (007)
Hate
0.0016583372
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006331948
OpenAI Moderation v1 (007)
Self-Harm
0.000299763
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000221115
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001806163
OpenAI Moderation v1 (007)
Sexual
9.64416E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.31673E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.7919E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
76.331
Magnitude:
53
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
55
Gunning-Fog Score
13.6
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
9.9
Dale-Chall Readability Score
4.9
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
22
Joe Biden
I will make one admission at the outset. It is the intent of the bankruptcy reform to tighten the bankruptcy system; that is true, to assure that those who have the ability to pay do not walk away from their legal debts. The explosion of bankruptcy in the early and mid- 1990s revealed a problem with our system and the reform legislation is a response to that by the strong bipartisan vote of both Houses.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
0.16667
Leans Positive
Harvard-IV (Absolute)
0.16667
Leans Positive
Harvard-IV (Logit)
0.31015
VADER
0.802
Very Positive
Moderation
Harassment
0.0142072546
OpenAI Moderation v1 (007)
Self-Harm
0.0118535761
OpenAI Moderation v1 (007)
Violence > Graphic
0.0093674324
OpenAI Moderation v1 (007)
Violence
0.0080577971
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0058189184
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0020256794
OpenAI Moderation v1 (007)
Hate
0.0014388129
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005535351
OpenAI Moderation v1 (007)
Sexual
0.000288044
OpenAI Moderation v1 (007)
Sexual > Minors
5.0533E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.21933E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Law and Crime
Score:
85.683
Magnitude:
61
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
56.3
Gunning-Fog Score
14.8
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
11.3
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
18
Joe Biden
I am more on that liberal side, as my friend from Iowa talks about. I admire his pride that everybody should pay their debts, and I think they should.
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
0.807
Very Positive
Moderation
Harassment
0.6067520939
OpenAI Moderation v1 (007)
Hate
0.0216103072
OpenAI Moderation v1 (007)
Violence > Graphic
0.0164604295
OpenAI Moderation v1 (007)
Violence
0.0076011383
OpenAI Moderation v1 (007)
Self-Harm
0.0066403285
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0058441939
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000801674
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003085028
OpenAI Moderation v1 (007)
Sexual
0.0003046621
OpenAI Moderation v1 (007)
Sexual > Minors
1.42916E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.0591E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Social Welfare
Score:
36.136
Magnitude:
66
Code:
13
Url:
https://fsc.al/cap-mc#13
Source:
Comparative Agendas
Topic:
Labor
Score:
28.886
Magnitude:
66
Code:
5
Url:
https://fsc.al/cap-mc#5
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
5.9
Flesch-Kincaid Ease
78.3
Gunning-Fog Score
8.6
Coleman-Liau Index
8.1
SMOG Index
10.3
Automated Readability Index
5
Dale-Chall Readability Score
2.9
Sprache Readability Score
2.9
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6
Joe Biden
I am more inclined to let someone go than to hold them tightly. I admit that part. But I came here with this reform legislation because all these bankruptcies are causing debts to be driven up by other people. Interest rates go up on credit cards, not that credit card companies do not like high interest rates anyway. Interest rates go up on automobile loans. Interest rates go up all over the board. The cost of borrowing money goes up when people who can pay do not pay. It means innocent middle-class people and poor folks end up paying more.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.625
Very Positive
Harvard-IV (Absolute)
0.625
Very Positive
Harvard-IV (Logit)
1.34993
VADER
0.837
Very Positive
Moderation
Harassment
0.1621949021
OpenAI Moderation v1 (007)
Violence
0.0637357938
OpenAI Moderation v1 (007)
Harassment > Threatening
0.022414008
OpenAI Moderation v1 (007)
Violence > Graphic
0.0071982962
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0030551662
OpenAI Moderation v1 (007)
Self-Harm
0.002501671
OpenAI Moderation v1 (007)
Hate
0.001343114
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0003816614
OpenAI Moderation v1 (007)
Sexual
0.0001657326
OpenAI Moderation v1 (007)
Sexual > Minors
5.18276E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.07771E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Macroeconomics
Score:
39.971
Magnitude:
32
Code:
1
Url:
https://fsc.al/cap-mc#1
Source:
Comparative Agendas
Topic:
Labor
Score:
28.222
Magnitude:
32
Code:
5
Url:
https://fsc.al/cap-mc#5
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.2
Flesch-Kincaid Ease
73.4
Gunning-Fog Score
9.8
Coleman-Liau Index
9.7
SMOG Index
10.3
Automated Readability Index
5.3
Dale-Chall Readability Score
3.4
Sprache Readability Score
4
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
22
Joe Biden
Yes, bankruptcy reform is intended to require more repayment by those who can afford it, more complete and verified documentation, and to generally discourage unnecessary and unwarranted filings. When the bankruptcy system is manipulated by those who can afford to pay, we all pay.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.542
Very Negative
Moderation
Violence
0.2232707804
OpenAI Moderation v1 (007)
Violence > Graphic
0.1194400014
OpenAI Moderation v1 (007)
Self-Harm
0.0791777507
OpenAI Moderation v1 (007)
Harassment
0.0784834207
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0573541212
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0102046157
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0099197372
OpenAI Moderation v1 (007)
Sexual > Minors
0.0013948918
OpenAI Moderation v1 (007)
Hate
0.0010529432
OpenAI Moderation v1 (007)
Sexual
0.0002684318
OpenAI Moderation v1 (007)
Hate > Threatening
3.0459E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Civil Rights
Score:
24.581
Magnitude:
23
Code:
2
Url:
https://fsc.al/cap-mc#2
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
28.8
Gunning-Fog Score
18.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
16
Joe Biden
This article claims that bankruptcy reform legislation is driven solely by the greed of lenders, that abuse of the bankruptcy code is a myth created by those who want to wring more money out of those who do not have more money. That is not the position of the Justice Department.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.33647
VADER
-0.296
Slightly Negative
Moderation
Harassment
0.1237938646
OpenAI Moderation v1 (007)
Violence
0.0299167063
OpenAI Moderation v1 (007)
Violence > Graphic
0.0167835402
OpenAI Moderation v1 (007)
Hate
0.0057630048
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0044170192
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0038549479
OpenAI Moderation v1 (007)
Sexual
0.0033104785
OpenAI Moderation v1 (007)
Self-Harm
0.0025595202
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005987108
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001254812
OpenAI Moderation v1 (007)
Hate > Threatening
1.70682E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
11.2
Flesch-Kincaid Ease
59.9
Gunning-Fog Score
14.1
Coleman-Liau Index
10.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
17
Joe Biden
I ask unanimous consent that a document entitled "U.S. Trustee Program" be printed in the Record at the end of my statement.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.612
Very Positive
Moderation
Violence
0.070240529
OpenAI Moderation v1 (007)
Self-Harm
0.0231328391
OpenAI Moderation v1 (007)
Violence > Graphic
0.0122754151
OpenAI Moderation v1 (007)
Harassment
0.0046426645
OpenAI Moderation v1 (007)
Sexual
0.0040488605
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0037623238
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003336509
OpenAI Moderation v1 (007)
Hate
0.0001734088
OpenAI Moderation v1 (007)
Sexual > Minors
0.000146139
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.7284E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.982E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
61.421
Magnitude:
72
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
5.9
Flesch-Kincaid Ease
66.6
Gunning-Fog Score
8.3
Coleman-Liau Index
9.3
SMOG Index
9
Automated Readability Index
2.5
Dale-Chall Readability Score
5.9
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9
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
0.1500184764
OpenAI Moderation v1 (007)
Violence
0.0516060274
OpenAI Moderation v1 (007)
Self-Harm
0.0360630424
OpenAI Moderation v1 (007)
Violence > Graphic
0.0236063555
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.005954579
OpenAI Moderation v1 (007)
Hate
0.0048225134
OpenAI Moderation v1 (007)
Sexual
0.0026093288
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0023883571
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0012334563
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001555001
OpenAI Moderation v1 (007)
Hate > Threatening
3.8888E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Housing
Score:
74.97
Magnitude:
62
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
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
(See Exhibit 1.)
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
0.2659131307
OpenAI Moderation v1 (007)
Harassment
0.053704856
OpenAI Moderation v1 (007)
Violence > Graphic
0.045767572
OpenAI Moderation v1 (007)
Sexual
0.0305365538
OpenAI Moderation v1 (007)
Hate
0.0069631984
OpenAI Moderation v1 (007)
Self-Harm
0.00688906
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032519903
OpenAI Moderation v1 (007)
Sexual > Minors
0.0028263143
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0020508276
OpenAI Moderation v1 (007)
Hate > Threatening
6.78578E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.87341E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Law and Crime
Score:
97.093
Magnitude:
43
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
1.3
Flesch-Kincaid Ease
91
Gunning-Fog Score
1.2
Coleman-Liau Index
3.7
SMOG Index
9
Automated Readability Index
0
Dale-Chall Readability Score
5.4
Sprache Readability Score
1.1
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
Joe Biden
Mr. President, back to the Time article. One would think there was no reason to tighten up the current system, that those of us who support bankruptcy reform -- a large bipartisan majority -- had lost our hearts, our souls, and possibly our minds. Some folks might find that easy to believe, but if they simply compare the language of the legislation to the case studies in the article, they will find that in virtually every significant claim and detail, the charges leveled against this reform legislation are not true. They are simply false; they are flat wrong; and they are easily and conclusively refuted by a quick look at the facts.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.61904
Harvard-IV (Relative)
0.07692
Neutral
Harvard-IV (Absolute)
0.07692
Neutral
Harvard-IV (Logit)
0.1431
VADER
-0.024
Neutral
Moderation
Harassment
0.0315001438
OpenAI Moderation v1 (007)
Violence
0.0162983168
OpenAI Moderation v1 (007)
Sexual > Minors
0.0033208842
OpenAI Moderation v1 (007)
Hate
0.0030965657
OpenAI Moderation v1 (007)
Sexual
0.0023223462
OpenAI Moderation v1 (007)
Violence > Graphic
0.0003789703
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002341617
OpenAI Moderation v1 (007)
Self-Harm
0.0001001081
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.35587E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.03239E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.58048E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
56.8
Gunning-Fog Score
13.9
Coleman-Liau Index
11.5
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
31
Joe Biden
First, a little primer on the bankruptcy code reform. Chapter 7 of the bankruptcy code requires a liquidation of any assets and a payout to as many creditors as possible from the proceeds. Chapter 13 allows the filer to keep a home, a car, and so on, but requires them to enter into a repayment plan. The irony is, chapter 13 was put in to help people from the rigors of chapter 7. I do not have time to go into that, but it is a basic premise that is missed by the article.
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
0.202
Slightly Positive
Moderation
Violence
0.0105676569
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0098451012
OpenAI Moderation v1 (007)
Harassment
0.0098358301
OpenAI Moderation v1 (007)
Violence > Graphic
0.0016747852
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005389585
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005270111
OpenAI Moderation v1 (007)
Self-Harm
0.0005234966
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004007692
OpenAI Moderation v1 (007)
Sexual
0.000292302
OpenAI Moderation v1 (007)
Hate
5.45168E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.36243E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Civil Rights
Score:
63.278
Magnitude:
44
Code:
2
Url:
https://fsc.al/cap-mc#2
Source:
Comparative Agendas
Topic:
Law and Crime
Score:
24.25
Magnitude:
44
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
70.8
Gunning-Fog Score
10.9
Coleman-Liau Index
7
SMOG Index
10.5
Automated Readability Index
6.2
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
21
Joe Biden
The bankruptcy reform legislation that is the cause for such alarm in this article asks a question that I think most Americans would be surprised to learn is never even asked under the present system. The question is: Do you have the ability to pay some of those debts that you want forgiven?
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.511
Very Positive
Moderation
Harassment
0.0770272221
OpenAI Moderation v1 (007)
Violence
0.0117255862
OpenAI Moderation v1 (007)
Self-Harm
0.0096632182
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0089304871
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0082205814
OpenAI Moderation v1 (007)
Violence > Graphic
0.005513195
OpenAI Moderation v1 (007)
Hate
0.00181798
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0011494017
OpenAI Moderation v1 (007)
Sexual
0.0010431821
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004402767
OpenAI Moderation v1 (007)
Hate > Threatening
2.65322E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Government Operations
Score:
51.684
Magnitude:
66
Code:
20
Url:
https://fsc.al/cap-mc#20
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53.8
Gunning-Fog Score
15.1
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.6
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
12
Joe Biden
If the answer is yes, then you will have to file for bankruptcy under chapter 13 and have what they call a workout, a repayment plan. No one -- I repeat, no one -- who needs it would ever, as this article puts it, be denied bankruptcy assistance. That cannot happen now, and it will not happen under this legislation. So it is not the idea you are denied bankruptcy, it is how you file for bankruptcy -- under chapter 7 or chapter 13.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.66667
Very Negative
Harvard-IV (Absolute)
-0.66667
Very Negative
Harvard-IV (Logit)
-1.29928
VADER
-0.758
Very Negative
Moderation
Harassment
0.0089302317
OpenAI Moderation v1 (007)
Violence
0.0075312739
OpenAI Moderation v1 (007)
Violence > Graphic
0.004748331
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.004421853
OpenAI Moderation v1 (007)
Self-Harm
0.0037976504
OpenAI Moderation v1 (007)
Harassment > Threatening
0.001420004
OpenAI Moderation v1 (007)
Hate
0.0009931872
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000318463
OpenAI Moderation v1 (007)
Sexual
0.0001803602
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001691755
OpenAI Moderation v1 (007)
Hate > Threatening
1.74502E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
91.522
Magnitude:
73
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
69.3
Gunning-Fog Score
12.5
Coleman-Liau Index
8.1
SMOG Index
11.8
Automated Readability Index
7.8
Dale-Chall Readability Score
3.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
11
Joe Biden
Only a few filers of bankruptcy, no more than 10 percent of those now filing under chapter 7 -- maybe even less -- would see any change at all in their status. Those who have demonstrated an ability to pay would be told to file under chapter 13 and would follow the kind of repayment plan their resources would allow.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.153
Leans Positive
Moderation
Self-Harm > Intent
0.036574548
OpenAI Moderation v1 (007)
Self-Harm
0.023544248
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0203971766
OpenAI Moderation v1 (007)
Harassment
0.0197543704
OpenAI Moderation v1 (007)
Violence
0.0102962702
OpenAI Moderation v1 (007)
Sexual
0.0081344522
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0061439845
OpenAI Moderation v1 (007)
Hate
0.002608013
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003188045
OpenAI Moderation v1 (007)
Violence > Graphic
0.0001977784
OpenAI Moderation v1 (007)
Hate > Threatening
6.90188E-5
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
59.3
Gunning-Fog Score
15
Coleman-Liau Index
9.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13
Joe Biden
A key point must be stressed: Chapter 13 is not some kind of debtor's prison. It is a practical solution to the problem of too many creditors chasing a debtor with too few resources. The article suggests that any change in the availability of chapter 7 will be the equivalent of the whip and the lash and the restoration of debtor's prison. The truth is different.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.17647
Leans Negative
Harvard-IV (Absolute)
-0.17647
Leans Negative
Harvard-IV (Logit)
-0.33647
VADER
-0.861
Very Negative
Moderation
Violence > Graphic
0.0177232694
OpenAI Moderation v1 (007)
Violence
0.009426169
OpenAI Moderation v1 (007)
Sexual
0.0034918703
OpenAI Moderation v1 (007)
Harassment
0.0012001806
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005652104
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005551502
OpenAI Moderation v1 (007)
Self-Harm
0.0004475095
OpenAI Moderation v1 (007)
Hate
0.0002942845
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002689025
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.55066E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.6407E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Government Operations
Score:
67.819
Magnitude:
29
Code:
20
Url:
https://fsc.al/cap-mc#20
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
63.2
Gunning-Fog Score
12.1
Coleman-Liau Index
10
SMOG Index
11.8
Automated Readability Index
7.4
Dale-Chall Readability Score
4.9
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18
Joe Biden
Chapter 13 was added to the bankruptcy code in the 1930s as the more desirable alternative to the draconian liquidation required under chapter 7. It was conceived as the "wage earner's" form of bankruptcy, for those who had an income and the ability to pay some of their creditors but who needed protection of the system to keep their creditors from hounding them.
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
0.303
Somewhat Positive
Moderation
Violence > Graphic
0.0367614761
OpenAI Moderation v1 (007)
Sexual
0.0306992297
OpenAI Moderation v1 (007)
Violence
0.0261987414
OpenAI Moderation v1 (007)
Harassment
0.0013051613
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011985335
OpenAI Moderation v1 (007)
Self-Harm
0.0005434125
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005201624
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003307274
OpenAI Moderation v1 (007)
Hate
0.000107634
OpenAI Moderation v1 (007)
Hate > Threatening
7.39329E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.5291E-6
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
44.6
Gunning-Fog Score
18.9
Coleman-Liau Index
11.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
20
Joe Biden
Although this may seem like a quaint notion these days, it was intended to preserve some of the debtor's dignity at a time when bankruptcy carried more of a stigma for some people than it does today.
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
0.637
Very Positive
Moderation
Violence
0.0377545774
OpenAI Moderation v1 (007)
Harassment
0.0104117484
OpenAI Moderation v1 (007)
Sexual
0.0094688439
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0077378703
OpenAI Moderation v1 (007)
Violence > Graphic
0.0027315291
OpenAI Moderation v1 (007)
Sexual > Minors
0.0014570939
OpenAI Moderation v1 (007)
Hate
0.0007739543
OpenAI Moderation v1 (007)
Self-Harm
0.0001760051
OpenAI Moderation v1 (007)
Hate > Threatening
0.000130454
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.38967E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.631E-7
OpenAI Moderation v1 (007)
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.7
Gunning-Fog Score
18
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
10
Joe Biden
A profoundly mistaken view of the difference between chapter 7 and chapter 13 is not the most serious flaw in this article. The real impact of this article comes from its stories of hard-working, honest, everyday American families who have fallen on hard times. These are the people who will, according to the article, find the door to a fresh start shut to them.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
0.094
Neutral
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
58.6
Gunning-Fog Score
14.8
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
10.3
Dale-Chall Readability Score
4.5
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
16
Joe Biden
As disturbing as these stories are, they are all based on a demonstrably false premise. As the Senator from Iowa said, virtually none of the low- to moderate-income working families whose stories were so compellingly told in that article would be touched by the reforms affecting the availability of chapter 7.
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
-0.455
Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.3
Gunning-Fog Score
17.3
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
16
Sprache Difficult Word Count
18
Joe Biden
That is right. In each and every case, given their income and their circumstances as presented, those families and individuals who were talked about in the article would still be eligible for chapter 7 protection. The central claims about the impact of bankruptcy reform on the families described in this article are flat wrong.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
-0.477
Negative
Readability
Flesch-Kincaid Grade
10.9
Flesch-Kincaid Ease
49.1
Gunning-Fog Score
15.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Joe Biden
I know a lot of my colleagues have been concerned about these charges, and I urge them to take a simple test. Compare the financial circumstances of the individuals in the article and the stories that are told with the terms of our bankruptcy legislation. My colleagues will see the claims that these families will be cut off are not true.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.576
Very Negative
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
14
Coleman-Liau Index
10.7
SMOG Index
12
Automated Readability Index
10
Dale-Chall Readability Score
3.9
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
15
Joe Biden
They are wrong chiefly because the reform legislation contains what we call a safe harbor which preserves chapter 7, with no questions asked, for anyone earning the median income or less for the region in which they live. This is a protection I sought along with other supporters of bankruptcy reform. It was a key element of the Senate bill, and it has been accepted in conference.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.4
Somewhat Positive
Harvard-IV (Absolute)
0.4
Somewhat Positive
Harvard-IV (Logit)
0.76214
VADER
0.382
Somewhat Positive
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
59.2
Gunning-Fog Score
13.7
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
23
Joe Biden
There is even more protection: Those with up to 150 percent of the median income will be subject to only a cursory look at their income and obligations, not a more detailed examination.
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
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40
Gunning-Fog Score
19
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
9
Joe Biden
These provisions provide that the door to chapter 7 remains open for just the kind of family the article claims will be most hurt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
-0.567
Very Negative
Readability
Flesch-Kincaid Grade
10
Flesch-Kincaid Ease
66.2
Gunning-Fog Score
14.6
Coleman-Liau Index
10
SMOG Index
12
Automated Readability Index
11.2
Dale-Chall Readability Score
4.5
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
6
Joe Biden
I will not chronicle all of them, but I ask you to listen to this one story. Of all the cases chronicled in the article, I read most carefully the story of Allen Smith of Wilmington, DE, my hometown. A World War II veteran, he had worked in our Newark, DE, Chrysler plant until the downsizing of the 1980s cost him his job.
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
-0.638
Very Negative
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
67.3
Gunning-Fog Score
12.8
Coleman-Liau Index
7.3
SMOG Index
12
Automated Readability Index
7.5
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
16
Joe Biden
Struck by cancer, my constituent from Wilmington, DE, was also hit with the tragedy and expense of his wife's diabetes and then her death. Health care costs drove him deeper and deeper into debt, and he filed for bankruptcy under chapter 13. Further financial troubles led to the failure of his chapter 13 plan, and he was then switched to chapter 7 under which he will lose his home to pay some of his obligations.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.37949
VADER
-0.973
Very Negative
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
64.1
Gunning-Fog Score
13.7
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
11.6
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
25
Joe Biden
I searched in vain to find any relevance of this profound human tragedy to the bankruptcy reform legislation. To the extent it has anything at all to do with the supposed point of the story, Mr. Smith's story is presented to show us someone who is going to lose his home in bankruptcy, because he is now in chapter 7, exactly what the authors previously argued should be the preferred chapter for individuals in his circumstances. His sad story is an argument for catastrophic health insurance, not against bankruptcy reform.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.83321
Harvard-IV (Relative)
-0.2
Slightly Negative
Harvard-IV (Absolute)
-0.2
Slightly Negative
Harvard-IV (Logit)
-0.38566
VADER
-0.965
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
46.8
Gunning-Fog Score
16.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
30
Joe Biden
They contrast his case with that of a wealthy individual who uses the protection of the present bankruptcy code by purchasing an expensive home under Florida's unlimited homestead exemption to protect assets from creditors. One would never know it from reading the article, but in the Senate we voted to get rid of that unlimited exemption that now is in the law.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.37949
VADER
0.44
Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.8
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
20
Joe Biden
More recently, the conferees have agreed to eliminate precisely the kind of abuse criticized in this article. The article discusses at length a case that has nothing to do with reform but criticizes an abuse that is actually fixed by this reform bill.
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
-0.935
Very Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.4
Gunning-Fog Score
17
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.9
Dale-Chall Readability Score
6.9
Sprache Readability Score
4.5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
15
Joe Biden
There are other profound inconsistencies and factual errors in the article, including the assertion that medical expenses would not be considered in calculating a filer's ability to pay or would not be dischargeable after bankruptcy or that family support payments, such as child support or alimony, would be a lower priority than a credit card debt. None of these assertions is true.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.64663
VADER
0.681
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
22.5
Gunning-Fog Score
19
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
23
Sprache Difficult Word Count
22
Joe Biden
However, without these errors, there would be no article.
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
-0.2
Slightly Negative
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
56.7
Gunning-Fog Score
8
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.1
Dale-Chall Readability Score
4
Sprache Readability Score
2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
3
Joe Biden
In many cases, in terms of the new, additional protections for family support payments and improved procedures for reaffirmations, filers in the kind of circumstances chronicled in the other stories in this article would be better off, not worse off, when this legislation passes.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.853
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
14
Joe Biden
I know my colleagues have expressed their worries about this article. I truly ask them, look at the language of the legislation, look at the articles that are written, and you will find that, although this is not a perfect bill, that none of the families chronicled in that article would be affected at all except their circumstances improved, if in fact anything was to happen.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
-0.271
Slightly Negative
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47.7
Gunning-Fog Score
19
Coleman-Liau Index
11.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14
Joe Biden
I know that my colleagues who have expressed their worries about this article are sincere in their concern about the fairness of bankruptcy reform legislation. I urge them to apply the simple test of fairness to this article, to compare the situations of those families in the article to the actual provisions in the bankruptcy reform legislation. They will find those families's access to the full protection of Chapter 7 unchanged by this bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
-0.026
Neutral
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
44.6
Gunning-Fog Score
17.4
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
25
Sprache Difficult Word Count
23
Joe Biden
I ask them to do it for themselves: they don't have to take my word for it.
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
3.5
Flesch-Kincaid Ease
100
Gunning-Fog Score
6.8
Coleman-Liau Index
3.6
SMOG Index
3.3
Automated Readability Index
2.6
Dale-Chall Readability Score
1.8
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1
Joe Biden
This is not a perfect bill. It is not the even bill that I would have written by myself. But it is a bill that can pass that test.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.2
Slightly Negative
Readability
Flesch-Kincaid Grade
1.6
Flesch-Kincaid Ease
100
Gunning-Fog Score
3.9
Coleman-Liau Index
4.3
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
1.6
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
2
Sprache Difficult Word Count
5
Joe Biden
I thank the Chair and I thank my colleagues assembled on the floor for the additional 4 minutes. I realize it is a tight day and time is of the essence. I appreciate their courtesy.
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
0.848
Very Positive
Readability
Flesch-Kincaid Grade
5.8
Flesch-Kincaid Ease
74.1
Gunning-Fog Score
11.5
Coleman-Liau Index
8.2
SMOG Index
11.3
Automated Readability Index
3.6
Dale-Chall Readability Score
3.7
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
7
Joe Biden
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
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
1.6
Coleman-Liau Index
4.7
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
4.1
Sprache Readability Score
1.2
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
1