I ask that all Americans reflect on the Hispanic heritage of our Nation.

They discriminate against the small saver, who often lacks sufficient funds to purchase market-rate securities which are available to the large investor.

I am today recommending that the Congress enact comprehensive financial reform legislation.

The financial marketplace is becoming adept at creating new investment alternatives, such as money market mutual funds.

I shall ask the Congress to provide that through an orderly transition period all deposit interest rates be permitted to rise to market-rate levels.

We must reaffirm our commitment to eliminate these residues of prejudice and bigotry.

Hispanics have played a central role in our country's development.

I herewith transmit amendments to Reorganization Plan No. 2 of 1979.

We are in a time, I believe, of concern, some troubled feeling on the part of the American people about energy, about inflation, about peace in the world, about taxation, about ethics.

I think we need to have some protection for whistleblowers, who come forward in a courageous way and say, 'This is wrong in our Government.'

In my opinion, that is a major step in the right direction.

I think it's accurate to point out that in the last 2 1/2 years, I've been privileged to be part of the system which represents the American people in our Government.