Britain's Prince Charles promoted to top military rank

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GOP on health care: Repeal quickly, replace slowly

WASHINGTON (AP) ? Congressional Republicans intend to seek quick repeal of any parts of the health care law that survive a widely anticipated Supreme Court ruling, but don't plan to push replacement measures until after the fall elections or perhaps 2013.

Instead, GOP lawmakers cite recent announcements that some insurance companies will retain a few of the law's higher-profile provisions as evidence that quick legislative action is not essential. Those are steps that officials say Republicans quietly urged in private conversations with the industry.

Once the Supreme Court issues a ruling, "the goal is to repeal anything that is left standing," said Sen. John Barrasso, R-Wyo., a member of the party's leadership.

Beyond that, "we ought to go step by step to lower the cost" of health care, he added, a formula repeated by numerous other Republicans interviewed in recent days.

Across the political aisle, neither President Barack Obama nor congressional Democrats have said how they will react to a high court ruling that could wipe out the legislation they worked so hard to enact.

"We're not spending a whole bunch of time planning for contingencies," Obama said this spring at the annual meeting of The Associated Press. He expressed confidence the court would uphold the law, and neither he nor his aides have said what fallback plans are under discussion.

Among Republicans, aides to Speaker John Boehner, Senate Republican leader Mitch McConnell and other key lawmakers have convened a series of meetings in recent weeks to plan a post-ruling strategy.

A Supreme Court ruling is expected within the next two weeks on a challenge to the law, which has drawn fierce opposition among most Republicans for its requirement that most individuals carry health insurance.

While three big insurance companies announced plans this past week to retain certain protections for an estimated 40 percent of all individuals who receive their coverage through work, there has been no advance word from the drug industry on how prescription costs for older people might be affected by a finding that the law is unconstitutional.

Even so, Republicans say they have no plans for assuring continuity of a provision that reduces out-of-pocket costs for seniors with high drug expenses. This coverage gap is known as "doughnut hole."

"I don't think anybody intends to get involved" in the portion of Medicare that provides prescription drug coverage. The program is "working better than we designed it," said Sen. Richard Burr, R-N.C., referring to studies that show the program's cost is lower than was originally estimated.

The drug industry has yet to disclose its plans.

House Republicans have voted 30 times to eliminate, defund or scale back parts or all of the health law, most recently approving a measure to wipe out a tax on medical devices.

Senate Democrats have blocked nearly all of the previous attacks. Forcing another vote would allow Republicans to signal a continued commitment to supporters of repeal, while simultaneously requiring Democrats to take another stand on a measure that has failed to generate significant public support and might by then also have been found deficient by the Supreme Court.

"Democrats don't want to talk about health care between now and the election, especially Obamacare," said Don Stewart, a spokesman for McConnell, referring to the law signed in 2010.

Many members of the GOP rank and file campaigned on a motto of "repeal and replace" in 2010 when it came to the law. But now, nearly two years later, they express no urgency to replace a law drafted by Democrats, and one they hope the court will kill, with a different one of their own.

"We're not going to repeat the mistakes made by the Democrats who run Washington when they passed a 2,700-page bill that no one had actually read," said Michael Steel, a spokesman for Boehner, R-Ohio.

While Republicans say the recent insurance industry announcements eased the political pressure on them to act, some cited other reasons for moving carefully on replacement legislation.

With the party united around repeal of the existing law, they said they want to avoid an internal squabble over the details of any replacement legislation, at least until after the elections this fall.

In addition, they want to wait until they know whether GOP presidential candidate Mitt Romney wins the White House in November.

Romney has provided few details about his plans for health care legislation. He supports repeal of the current law, in part citing a requirement for individuals to obtain coverage, even though as governor of Massachusetts he signed a law with a similar provision.

On one big-ticket item, Romney and House Republicans already have parted company.

Both criticize Obama and Democrats for cutting Medicare by $500 billion over the next decade as part of the health care law.

But Romney's aides say he wants to restore the money to Medicare, while the budget that the Republicans pushed through the House would instead put the money toward deficit reduction.

In interviews, several Republicans drew attention to recent announcement from a few insurers pledging to retain some recent changes regardless of a court ruling.

UnitedHealth Group, Humana and Aetna said that regardless of the court's ruling, they will continue to cover preventive care such as immunizations and screenings without requiring a copayment. They also said children up to age 26 may be covered through their parents' insurance plans.

Additionally, UnitedHealth Group Inc. and Humana Inc. said they will not reimpose lifetime dollar limits on benefits, a provision most important for patients with cancer and other expensive-to-treat diseases.

The actions left in question the fate of other provisions in the health care law, including a requirement for new coverage for children up to age 19 with existing medical conditions.

Nor do the voluntary announcements cover everyone.

United Health and Humana said their announcements would affect customers with individual policies and those who receive small-group coverage through work.

Workers and families who receive coverage from large employers that pay their own medical claims are unaffected. Those employers will make their own decisions how to respond to the court's ruling.

Neither company provided an estimate of how many of their customers would be affected by their announcement.

The nonpartisan Kaiser Family Foundation estimates that 60 percent of covered workers are in plans that are self-funded by their employers.

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Suu Kyi in Norway fjord town for development talks

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Could I finance the down payment requirement of my auto loan?

Question by gjonesgrad: Could I finance the down payment requirement of my auto loan?
I have an auto loan approval for $ 17,700. The lender says there is a $ 2,500 down payment requirement. Could I get a $ 15,000 car and add the $ 2,500 down payment for a total of $ 17,500 to be financed?

Best answer:

Answer by euroman71
Sure you can. By the way there is no such thing as a downpayment requirement. Everything is negotiable. Your monthly payments will be based on the $ 17,500 you finance plus interest.

Give your answer to this question below!

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Greeks vote in critical election

A gust of wind lifts the kilt-like uniform of a Greek presidential guard during the changing of the guard ceremony outside the Greek parliament, central Athens, Saturday, June 16, 2012. Greeks cast their ballots this Sunday for the second time in six weeks, after the May 6 elections left no party with enough seats in Parliament to form a government and coalition talks collapsed. (AP Photo/Petros Giannakouris)

A gust of wind lifts the kilt-like uniform of a Greek presidential guard during the changing of the guard ceremony outside the Greek parliament, central Athens, Saturday, June 16, 2012. Greeks cast their ballots this Sunday for the second time in six weeks, after the May 6 elections left no party with enough seats in Parliament to form a government and coalition talks collapsed. (AP Photo/Petros Giannakouris)

Greek presidential guards perform during the changing of the guards ceremony outside the Greek parliament in central Athens, on Saturday, June 16, 2012. Greeks cast their ballots this Sunday for the second time in six weeks, after May 6 elections left no party with enough seats in Parliament to form a government and coalition talks collapsed. (AP Photo/Petros Giannakouris)

A boy plays with pigeons in front of the Parliament in central Athens, Saturday, June 16, 2012. Greeks cast their ballots this Sunday for the second time in six weeks, after May 6 elections left no party with enough seats in Parliament to form a government and coalition talks collapsed. (AP Photo/Petros Karadjias)

A man begging for alms lays by a sticker with Greece' national football team players one day before general elections in Athens, on Saturday, June 16 2012. Greeks vote for the second time in six weeks Sunday amid fears that the country could be forced out of the euro if they reject the strict austerity measures taken in return for billions of euros in rescue loans from other European countries and the International Monetary Fund. (AP Photo/Kostas Tsironis)

Women walk in front of a huge graffiti on the day before general elections in Thessaloniki, Greece, Saturday, June 16 2012. Greeks vote for the second time in six weeks Sunday amid fears that the country could be forced out of the euro if they reject the strict austerity measures taken in return for billions of euros in rescue loans from other European countries and the International Monetary Fund. (AP Photo/Dimitri Messinis)

ATHENS, Greece (AP) ? Greeks voted Sunday for the second time in six weeks in what was arguably their country's most critical election in 40 years, with the country's treasured place within the European Union's joint currency in the balance.

The political turmoil sparked by a two-year financial crisis has roiled markets across the world, with fears that victory by parties that have vowed to cancel the country's international bailout agreements and accompanying austerity measures could see Greece forced out of the euro.

That in turn would likely drag down other financially troubled countries and rip apart the euro itself.

The last opinion polls published before a two-week pre-election ban showed the radical left Syriza party of Alexis Tsipras running neck-and-neck with the conservative New Democracy party of Antonis Samaras. But no party is likely to win enough votes to form a government on its own, meaning a coalition will have to be formed to avoid yet another election.

Inconclusive elections on May 6 resulted in no party winning enough votes to form a government, and coalition talks collapsed after 10 days. The vote, which also sent the formerly governing socialist PASOK party plunging to historic lows, sent a very clear message that Greeks have lost patience with the deep austerity imposed in return for the country receiving billions of euros (dollars) in rescue loans from other eurozone countries and the International Monetary Fund.

"I'd like to see something change for the country in general, including regarding the bailout," said Vassilis Stergiou, an early-morning voter at an Athens polling station. "But at least for us to get organized and at the very least do something."

Tsipras, a 37-year-old former student activist, has vowed to rip up Greece's bailout agreements and repeal the austerity measures, which have included deep spending cuts on everything from health care to education and infrastructure, as well as tax hikes and reductions of salaries and pensions.

But his pledges, which include canceling planned privatizations, nationalizing banks and rolling back cuts to minimum wages and pensions, have horrified European leaders, as well as many Greeks. Tsipras' opponents argue that the inexperienced young politician is out of touch with reality, and that his policies will force the country out of the euro and lead to poverty for years to come.

Virtually unknown outside of Greece four months ago, Tsipras' pledges and his party's strong showing in the May 6 elections, where he came a surprise second place and quadrupled his support since the 2009 election, has put him in the international spotlight.

Scores of journalists and television news crews from across the world jostled for space to cover Tsipras casting his ballot in an Athens polling center.

"We have beaten fear. Today we open a road to hope," he said after voting, adding that he was confident of victory.

"Today we open a road to a better tomorrow, with our people united, dignified and proud. In a Greece of social justice and prosperity, an equal member of a Europe that is changing. A Europe of the peoples and of solidarity."

The young left-wing leader has accused his rivals of attempting to terrorize the population by casting him as the man who will ruin the country, and insists he will keep Greece within the euro ? something that repeated opinion polls have shown about 80 percent of Greeks want.

Greece has been dependent on the rescue loans since May 2010, after sky-high borrowing rates left it locked out of the international markets following years of profligate spending and falsifying financial data.

The spending cuts made in return have left the country mired in a fifth year of recession, with unemployment spiraling to above 22 percent and tens of thousands of businesses shutting down.

For his part, Samaras has cast Sunday's choice as one between the euro and returning to the country's old currency, the drachma. Although he voted against Greece's first bailout in 2010, when his party was in opposition, he backed the second bailout agreed on late last year. He has vowed to renegotiate some of the terms of the accompanying austerity, but insists the top priority is for the country to remain in Europe's joint currency.

"The main thing we will decide on is the dilemma, euro or drachma," he said during his final pre-election rally in central Athens on Friday.

European leaders have cautioned that Greece could be left outside the 17-nation eurozone if it pulls out of its bailout commitments.

Newly elected French President Francois Hollande warned in a Greek television interview earlier this week that "if the impression is given that the Greeks want to move away from the commitments that were taken and abandon all prospects of revival, then there will be countries in the Eurozone that will want to end the presence of Greece in the eurozone."

Nearly 10 million people are eligible to vote in the country of about 11 million people. Polls close at 7pm (1600 GMT), with official results expected a few hours later.

"Today the Greek people speak. Tomorrow a new era for Greece begins," Samaras said after casting his ballot in a small town in southern Greece, the first of the main politicians to do so.

As Greeks went to the polls, more than 250 firefighters and soldiers battled a fire raging south of the Greek capital since Saturday afternoon. Local authorities said several houses were burned. Gale-force winds were hampering the efforts to extinguish the blaze, and Greece asked for help in water-dropping planes from Italy, France and Croatia.

Three firefighters suffered burns on Saturday, while four people were arrested for allegedly starting the fire by accident during welding work at a construction site.

Associated Press

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