Elizabeth Warren

Rising costs for food, rising costs for health care, rising costs for drugs--are really putting the squeeze on families.

I think it is fundamental that we all believe that if you work hard you ought to be able to retire with dignity.

I am proud to come to the floor today to welcome my colleague Ed Markey on giving his first speech on the floor of the Senate. Long before I became a U.S. Senator, Ed Markey was in the House of Representatives, became the dean of the…

One in five households now carry student loan debt. The burden is especially crushing for young Americans.

The States have clearly withdrawn a lot of support from public universities, and this seems to me to be a key point on affordability.

I fear that we are losing that and if we lose that, there is nothing else that saves higher education.

A student who goes to a public university today, adjusted for inflation, will pay about 300 percent of what her father would have paid a generation ago.

If students cannot afford to go to college, they are not going to get that high quality education.

So the question I have is: For a homeowner to take an appeal, if they have to take on a cost like this, does that really give them an effective tool if they think that they should not be rated as in a flood zone?

So when someone discovers that, because of the map, they are now in a flood zone, they had not been in a flood zone before, I understand that there is an appeals process for that.

So maybe I should have asked this the other way to get the base rate. How many homeowners have been affected by moving from not in a flood zone to in a flood zone?

That surprises me, though, that you would say it is thousands. I would think it would be far more homeowners than that.

So you talk to the mayors? I just want to make sure I am following. You talk to the mayors, you talk to the county officials.

I understand why it is important for flood insurance rates to reflect the real risks and the costs of flood damage.

We all know it is important to spend the money wisely, and it means thinking long term, not just rebuilding, but updating our housing supply so it is better able to withstand bad weather conditions, modernizing the electric grid, our…

I appreciate the approach here, and as you said, we are going to hold you to it.

When I see good recommendations, I really want to know that we are going to follow through and make sure that they are there.

I am very glad to hear this and very glad to hear that you have got strong implementation plans, not only in place, but that they have actually started.

Have you considered developing a coastal storm strategy that would permit Federal, State and local officials to better coordinate their weather management and address infrastructure and zoning differences?

If any of the agencies lag behind in spending their allowed or allocated funds, will you also be tracking that, and will they be held accountable?

So, better treatment outcomes and lower rates of transmission, substantially lower rates of transmission.

The sooner the better with all.

Thank you for your generosity on the time.

I personally would like to see the recommendation go higher.

The risk of HIV is rising for the older population, that a larger proportion of older Americans, that our risk profile is changing