President Barack Obama Speech to Joint Session of Congress 9/09/09

THE PRESIDENT: Madam Speaker, Vice President Biden, members of Congress, and the American people:

When I spoke here last winter, this nation was facing the worst economic crisis since the Great Depression. We were losing an average of 700,000 jobs per month. Credit was frozen. And our financial system was on the verge of collapse.

As any American who is still looking for work or a way to pay their bills will tell you, we are by no means out of the woods. A full and vibrant recovery is still many months away. And I will not let up until those Americans who seek jobs can find them -- (applause) -- until those businesses that seek capital and credit can thrive; until all responsible homeowners can stay in their homes. That is our ultimate goal. But thanks to the bold and decisive action we've taken since January, I can stand here with confidence and say that we have pulled this economy back from the brink. (Applause.)

I want to thank the members of this body for your efforts and your support in these last several months, and especially those who've taken the difficult votes that have put us on a path to recovery. I also want to thank the American people for their patience and resolve during this trying time for our nation.

But we did not come here just to clean up crises. We came here to build a future. (Applause.) So tonight, I return to speak to all of you about an issue that is central to that future -- and that is the issue of health care.

I am not the first President to take up this cause, but I am determined to be the last. (Applause.) It has now been nearly a century since Theodore Roosevelt first called for health care reform. And ever since, nearly every President and Congress, whether Democrat or Republican, has attempted to meet this challenge in some way. A bill for comprehensive health reform was first introduced by John Dingell Sr. in 1943. Sixty-five years later, his son continues to introduce that same bill at the beginning of each session. (Applause.)

Our collective failure to meet this challenge -- year after year, decade after decade -- has led us to the breaking point. Everyone understands the extraordinary hardships that are placed on the uninsured, who live every day just one accident or illness away from bankruptcy. These are not primarily people on welfare. These are middle-class Americans. Some can't get insurance on the job. Others are self-employed, and can't afford it, since buying insurance on your own costs you three times as much as the coverage you get from your employer. Many other Americans who are willing and able to pay are still denied insurance due to previous illnesses or conditions that insurance companies decide are too risky or too expensive to cover.

We are the only democracy -- the only advanced democracy on Earth -- the only wealthy nation -- that allows such hardship for millions of its people. There are now more than 30 million American citizens who cannot get coverage. In just a two-year period, one in every three Americans goes without health care coverage at some point. And every day, 14,000 Americans lose their coverage. In other words, it can happen to anyone.

But the problem that plagues the health care system is not just a problem for the uninsured. Those who do have insurance have never had less security and stability than they do today. More and more Americans worry that if you move, lose your job, or change your job, you'll lose your health insurance too. More and more Americans pay their premiums, only to discover that their insurance company has dropped their coverage when they get sick, or won't pay the full cost of care. It happens every day.

One man from Illinois lost his coverage in the middle of chemotherapy because his insurer found that he hadn't reported gallstones that he didn't even know about. They delayed his treatment, and he died because of it. Another woman from Texas was about to get a double mastectomy when her insurance company canceled her policy because she forgot to declare a case of acne. By the time she had her insurance reinstated, her breast cancer had more than doubled in size. That is heart-breaking, it is wrong, and no one should be treated that way in the United States of America. (Applause.)

Then there's the problem of rising cost. We spend one and a half times more per person on health care than any other country, but we aren't any healthier for it. This is one of the reasons that insurance premiums have gone up three times faster than wages. It's why so many employers -- especially small businesses -- are forcing their employees to pay more for insurance, or are dropping their coverage entirely. It's why so many aspiring entrepreneurs cannot afford to open a business in the first place, and why American businesses that compete internationally -- like our automakers -- are at a huge disadvantage. And it's why those of us with health insurance are also paying a hidden and growing tax for those without it -- about $1,000 per year that pays for somebody else's emergency room and charitable care.

Finally, our health care system is placing an unsustainable burden on taxpayers. When health care costs grow at the rate they have, it puts greater pressure on programs like Medicare and Medicaid. If we do nothing to slow these skyrocketing costs, we will eventually be spending more on Medicare and Medicaid than every other government program combined. Put simply, our health care problem is our deficit problem. Nothing else even comes close. Nothing else. (Applause.)

Now, these are the facts. Nobody disputes them. We know we must reform this system. The question is how.

There are those on the left who believe that the only way to fix the system is through a single-payer system like Canada's -- (applause) -- where we would severely restrict the private insurance market and have the government provide coverage for everybody. On the right, there are those who argue that we should end employer-based systems and leave individuals to buy health insurance on their own.

I've said -- I have to say that there are arguments to be made for both these approaches. But either one would represent a radical shift that would disrupt the health care most people currently have. Since health care represents one-sixth of our economy, I believe it makes more sense to build on what works and fix what doesn't, rather than try to build an entirely new system from scratch. (Applause.) And that is precisely what those of you in Congress have tried to do over the past several months.

During that time, we've seen Washington at its best and at its worst.

We've seen many in this chamber work tirelessly for the better part of this year to offer thoughtful ideas about how to achieve reform. Of the five committees asked to develop bills, four have completed their work, and the Senate Finance Committee announced today that it will move forward next week. That has never happened before. Our overall efforts have been supported by an unprecedented coalition of doctors and nurses; hospitals, seniors' groups, and even drug companies -- many of whom opposed reform in the past. And there is agreement in this chamber on about 80 percent of what needs to be done, putting us closer to the goal of reform than we have ever been.

But what we've also seen in these last months is the same partisan spectacle that only hardens the disdain many Americans have towards their own government. Instead of honest debate, we've seen scare tactics. Some have dug into unyielding ideological camps that offer no hope of compromise. Too many have used this as an opportunity to score short-term political points, even if it robs the country of our opportunity to solve a long-term challenge. And out of this blizzard of charges and counter-charges, confusion has reigned.

Well, the time for bickering is over. The time for games has passed. (Applause.) Now is the season for action. Now is when we must bring the best ideas of both parties together, and show the American people that we can still do what we were sent here to do. Now is the time to deliver on health care. Now is the time to deliver on health care.

The plan I'm announcing tonight would meet three basic goals. It will provide more security and stability to those who have health insurance. It will provide insurance for those who don't. And it will slow the growth of health care costs for our families, our businesses, and our government. (Applause.) It's a plan that asks everyone to take responsibility for meeting this challenge -- not just government, not just insurance companies, but everybody including employers and individuals. And it's a plan that incorporates ideas from senators and congressmen, from Democrats and Republicans -- and yes, from some of my opponents in both the primary and general election.

Here are the details that every American needs to know about this plan. First, if you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have. (Applause.) Let me repeat this: Nothing in our plan requires you to change what you have.

What this plan will do is make the insurance you have work better for you. Under this plan, it will be against the law for insurance companies to deny you coverage because of a preexisting condition. (Applause.) As soon as I sign this bill, it will be against the law for insurance companies to drop your coverage when you get sick or water it down when you need it the most. (Applause.) They will no longer be able to place some arbitrary cap on the amount of coverage you can receive in a given year or in a lifetime. (Applause.) We will place a limit on how much you can be charged for out-of-pocket expenses, because in the United States of America, no one should go broke because they get sick. (Applause.) And insurance companies will be required to cover, with no extra charge, routine checkups and preventive care, like mammograms and colonoscopies -- (applause) -- because there's no reason we shouldn't be catching diseases like breast cancer and colon cancer before they get worse. That makes sense, it saves money, and it saves lives. (Applause.)

Now, that's what Americans who have health insurance can expect from this plan -- more security and more stability.

Now, if you're one of the tens of millions of Americans who don't currently have health insurance, the second part of this plan will finally offer you quality, affordable choices. (Applause.) If you lose your job or you change your job, you'll be able to get coverage. If you strike out on your own and start a small business, you'll be able to get coverage. We'll do this by creating a new insurance exchange -- a marketplace where individuals and small businesses will be able to shop for health insurance at competitive prices. Insurance companies will have an incentive to participate in this exchange because it lets them compete for millions of new customers. As one big group, these customers will have greater leverage to bargain with the insurance companies for better prices and quality coverage. This is how large companies and government employees get affordable insurance. It's how everyone in this Congress gets affordable insurance. And it's time to give every American the same opportunity that we give ourselves. (Applause.)

Now, for those individuals and small businesses who still can't afford the lower-priced insurance available in the exchange, we'll provide tax credits, the size of which will be based on your need. And all insurance companies that want access to this new marketplace will have to abide by the consumer protections I already mentioned. This exchange will take effect in four years, which will give us time to do it right. In the meantime, for those Americans who can't get insurance today because they have preexisting medical conditions, we will immediately offer low-cost coverage that will protect you against financial ruin if you become seriously ill. (Applause.) This was a good idea when Senator John McCain proposed it in the campaign, it's a good idea now, and we should all embrace it. (Applause.)

Now, even if we provide these affordable options, there may be those -- especially the young and the healthy -- who still want to take the risk and go without coverage. There may still be companies that refuse to do right by their workers by giving them coverage. The problem is, such irresponsible behavior costs all the rest of us money. If there are affordable options and people still don't sign up for health insurance, it means we pay for these people's expensive emergency room visits. If some businesses don't provide workers health care, it forces the rest of us to pick up the tab when their workers get sick, and gives those businesses an unfair advantage over their competitors. And unless everybody does their part, many of the insurance reforms we seek -- especially requiring insurance companies to cover preexisting conditions -- just can't be achieved.

And that's why under my plan, individuals will be required to carry basic health insurance -- just as most states require you to carry auto insurance. (Applause.) Likewise -- likewise, businesses will be required to either offer their workers health care, or chip in to help cover the cost of their workers. There will be a hardship waiver for those individuals who still can't afford coverage, and 95 percent of all small businesses, because of their size and narrow profit margin, would be exempt from these requirements. (Applause.) But we can't have large businesses and individuals who can afford coverage game the system by avoiding responsibility to themselves or their employees. Improving our health care system only works if everybody does their part.

And while there remain some significant details to be ironed out, I believe -- (laughter) -- I believe a broad consensus exists for the aspects of the plan I just outlined: consumer protections for those with insurance, an exchange that allows individuals and small businesses to purchase affordable coverage, and a requirement that people who can afford insurance get insurance.

And I have no doubt that these reforms would greatly benefit Americans from all walks of life, as well as the economy as a whole. Still, given all the misinformation that's been spread over the past few months, I realize -- (applause) -- I realize that many Americans have grown nervous about reform. So tonight I want to address some of the key controversies that are still out there.

Some of people's concerns have grown out of bogus claims spread by those whose only agenda is to kill reform at any cost. The best example is the claim made not just by radio and cable talk show hosts, but by prominent politicians, that we plan to set up panels of bureaucrats with the power to kill off senior citizens. Now, such a charge would be laughable if it weren't so cynical and irresponsible. It is a lie, plain and simple. (Applause.)

There are also those who claim that our reform efforts would insure illegal immigrants. This, too, is false. The reforms -- the reforms I'm proposing would not apply to those who are here illegally.

AUDIENCE MEMBER: You lie! (Boos.)

THE PRESIDENT: It's not true. And one more misunderstanding I want to clear up -- under our plan, no federal dollars will be used to fund abortions, and federal conscience laws will remain in place. (Applause.)

Now, my health care proposal has also been attacked by some who oppose reform as a "government takeover" of the entire health care system. As proof, critics point to a provision in our plan that allows the uninsured and small businesses to choose a publicly sponsored insurance option, administered by the government just like Medicaid or Medicare. (Applause.)

So let me set the record straight here. My guiding principle is, and always has been, that consumers do better when there is choice and competition. That's how the market works. (Applause.) Unfortunately, in 34 states, 75 percent of the insurance market is controlled by five or fewer companies. In Alabama, almost 90 percent is controlled by just one company. And without competition, the price of insurance goes up and quality goes down. And it makes it easier for insurance companies to treat their customers badly -- by cherry-picking the healthiest individuals and trying to drop the sickest, by overcharging small businesses who have no leverage, and by jacking up rates.

Insurance executives don't do this because they're bad people; they do it because it's profitable. As one former insurance executive testified before Congress, insurance companies are not only encouraged to find reasons to drop the seriously ill, they are rewarded for it. All of this is in service of meeting what this former executive called "Wall Street's relentless profit expectations."

Now, I have no interest in putting insurance companies out of business. They provide a legitimate service, and employ a lot of our friends and neighbors. I just want to hold them accountable. (Applause.) And the insurance reforms that I've already mentioned would do just that. But an additional step we can take to keep insurance companies honest is by making a not-for-profit public option available in the insurance exchange. (Applause.) Now, let me be clear. Let me be clear. It would only be an option for those who don't have insurance. No one would be forced to choose it, and it would not impact those of you who already have insurance. In fact, based on Congressional Budget Office estimates, we believe that less than 5 percent of Americans would sign up.

Despite all this, the insurance companies and their allies don't like this idea. They argue that these private companies can't fairly compete with the government. And they'd be right if taxpayers were subsidizing this public insurance option. But they won't be. I've insisted that like any private insurance company, the public insurance option would have to be self-sufficient and rely on the premiums it collects. But by avoiding some of the overhead that gets eaten up at private companies by profits and excessive administrative costs and executive salaries, it could provide a good deal for consumers, and would also keep pressure on private insurers to keep their policies affordable and treat their customers better, the same way public colleges and universities provide additional choice and competition to students without in any way inhibiting a vibrant system of private colleges and universities. (Applause.)

Now, it is -- it's worth noting that a strong majority of Americans still favor a public insurance option of the sort I've proposed tonight. But its impact shouldn't be exaggerated -- by the left or the right or the media. It is only one part of my plan, and shouldn't be used as a handy excuse for the usual Washington ideological battles. To my progressive friends, I would remind you that for decades, the driving idea behind reform has been to end insurance company abuses and make coverage available for those without it. (Applause.) The public option -- the public option is only a means to that end -- and we should remain open to other ideas that accomplish our ultimate goal. And to my Republican friends, I say that rather than making wild claims about a government takeover of health care, we should work together to address any legitimate concerns you may have. (Applause.)

For example -- for example, some have suggested that the public option go into effect only in those markets where insurance companies are not providing affordable policies. Others have proposed a co-op or another non-profit entity to administer the plan. These are all constructive ideas worth exploring. But I will not back down on the basic principle that if Americans can't find affordable coverage, we will provide you with a choice. (Applause.) And I will make sure that no government bureaucrat or insurance company bureaucrat gets between you and the care that you need. (Applause.)

Finally, let me discuss an issue that is a great concern to me, to members of this chamber, and to the public -- and that's how we pay for this plan.

And here's what you need to know. First, I will not sign a plan that adds one dime to our deficits -- either now or in the future. (Applause.) I will not sign it if it adds one dime to the deficit, now or in the future, period. And to prove that I'm serious, there will be a provision in this plan that requires us to come forward with more spending cuts if the savings we promised don't materialize. (Applause.) Now, part of the reason I faced a trillion-dollar deficit when I walked in the door of the White House is because too many initiatives over the last decade were not paid for -- from the Iraq war to tax breaks for the wealthy. (Applause.) I will not make that same mistake with health care.

Second, we've estimated that most of this plan can be paid for by finding savings within the existing health care system, a system that is currently full of waste and abuse. Right now, too much of the hard-earned savings and tax dollars we spend on health care don't make us any healthier. That's not my judgment -- it's the judgment of medical professionals across this country. And this is also true when it comes to Medicare and Medicaid.

In fact, I want to speak directly to seniors for a moment, because Medicare is another issue that's been subjected to demagoguery and distortion during the course of this debate.

More than four decades ago, this nation stood up for the principle that after a lifetime of hard work, our seniors should not be left to struggle with a pile of medical bills in their later years. That's how Medicare was born. And it remains a sacred trust that must be passed down from one generation to the next. (Applause.) And that is why not a dollar of the Medicare trust fund will be used to pay for this plan. (Applause.)

The only thing this plan would eliminate is the hundreds of billions of dollars in waste and fraud, as well as unwarranted subsidies in Medicare that go to insurance companies -- subsidies that do everything to pad their profits but don't improve the care of seniors. And we will also create an independent commission of doctors and medical experts charged with identifying more waste in the years ahead. (Applause.)

Now, these steps will ensure that you -- America's seniors -- get the benefits you've been promised. They will ensure that Medicare is there for future generations. And we can use some of the savings to fill the gap in coverage that forces too many seniors to pay thousands of dollars a year out of their own pockets for prescription drugs. (Applause.) That's what this plan will do for you. So don't pay attention to those scary stories about how your benefits will be cut, especially since some of the same folks who are spreading these tall tales have fought against Medicare in the past and just this year supported a budget that would essentially have turned Medicare into a privatized voucher program. That will not happen on my watch. I will protect Medicare. (Applause.)

Now, because Medicare is such a big part of the health care system, making the program more efficient can help usher in changes in the way we deliver health care that can reduce costs for everybody. We have long known that some places -- like the Intermountain Healthcare in Utah or the Geisinger Health System in rural Pennsylvania -- offer high-quality care at costs below average. So the commission can help encourage the adoption of these common-sense best practices by doctors and medical professionals throughout the system -- everything from reducing hospital infection rates to encouraging better coordination between teams of doctors.

Reducing the waste and inefficiency in Medicare and Medicaid will pay for most of this plan. (Applause.) Now, much of the rest would be paid for with revenues from the very same drug and insurance companies that stand to benefit from tens of millions of new customers. And this reform will charge insurance companies a fee for their most expensive policies, which will encourage them to provide greater value for the money -- an idea which has the support of Democratic and Republican experts. And according to these same experts, this modest change could help hold down the cost of health care for all of us in the long run.

Now, finally, many in this chamber -- particularly on the Republican side of the aisle -- have long insisted that reforming our medical malpractice laws can help bring down the cost of health care. (Applause.) Now -- there you go. There you go. Now, I don't believe malpractice reform is a silver bullet, but I've talked to enough doctors to know that defensive medicine may be contributing to unnecessary costs. (Applause.) So I'm proposing that we move forward on a range of ideas about how to put patient safety first and let doctors focus on practicing medicine. (Applause.) I know that the Bush administration considered authorizing demonstration projects in individual states to test these ideas. I think it's a good idea, and I'm directing my Secretary of Health and Human Services to move forward on this initiative today. (Applause.)

Now, add it all up, and the plan I'm proposing will cost around $900 billion over 10 years -- less than we have spent on the Iraq and Afghanistan wars, and less than the tax cuts for the wealthiest few Americans that Congress passed at the beginning of the previous administration. (Applause.) Now, most of these costs will be paid for with money already being spent -- but spent badly -- in the existing health care system. The plan will not add to our deficit. The middle class will realize greater security, not higher taxes. And if we are able to slow the growth of health care costs by just one-tenth of 1 percent each year -- one-tenth of 1 percent -- it will actually reduce the deficit by $4 trillion over the long term.

Now, this is the plan I'm proposing. It's a plan that incorporates ideas from many of the people in this room tonight -- Democrats and Republicans. And I will continue to seek common ground in the weeks ahead. If you come to me with a serious set of proposals, I will be there to listen. My door is always open.

But know this: I will not waste time with those who have made the calculation that it's better politics to kill this plan than to improve it. (Applause.) I won't stand by while the special interests use the same old tactics to keep things exactly the way they are. If you misrepresent what's in this plan, we will call you out. (Applause.) And I will not -- and I will not accept the status quo as a solution. Not this time. Not now.

Everyone in this room knows what will happen if we do nothing. Our deficit will grow. More families will go bankrupt. More businesses will close. More Americans will lose their coverage when they are sick and need it the most. And more will die as a result. We know these things to be true.

That is why we cannot fail. Because there are too many Americans counting on us to succeed -- the ones who suffer silently, and the ones who shared their stories with us at town halls, in e-mails, and in letters.

I received one of those letters a few days ago. It was from our beloved friend and colleague, Ted Kennedy. He had written it back in May, shortly after he was told that his illness was terminal. He asked that it be delivered upon his death.

In it, he spoke about what a happy time his last months were, thanks to the love and support of family and friends, his wife, Vicki, his amazing children, who are all here tonight. And he expressed confidence that this would be the year that health care reform -- "that great unfinished business of our society," he called it -- would finally pass. He repeated the truth that health care is decisive for our future prosperity, but he also reminded me that "it concerns more than material things." "What we face," he wrote, "is above all a moral issue; at stake are not just the details of policy, but fundamental principles of social justice and the character of our country."

I've thought about that phrase quite a bit in recent days -- the character of our country. One of the unique and wonderful things about America has always been our self-reliance, our rugged individualism, our fierce defense of freedom and our healthy skepticism of government. And figuring out the appropriate size and role of government has always been a source of rigorous and, yes, sometimes angry debate. That's our history.

For some of Ted Kennedy's critics, his brand of liberalism represented an affront to American liberty. In their minds, his passion for universal health care was nothing more than a passion for big government.

But those of us who knew Teddy and worked with him here -- people of both parties -- know that what drove him was something more. His friend Orrin Hatch -- he knows that. They worked together to provide children with health insurance. His friend John McCain knows that. They worked together on a Patient's Bill of Rights. His friend Chuck Grassley knows that. They worked together to provide health care to children with disabilities.

On issues like these, Ted Kennedy's passion was born not of some rigid ideology, but of his own experience. It was the experience of having two children stricken with cancer. He never forgot the sheer terror and helplessness that any parent feels when a child is badly sick. And he was able to imagine what it must be like for those without insurance, what it would be like to have to say to a wife or a child or an aging parent, there is something that could make you better, but I just can't afford it.

That large-heartedness -- that concern and regard for the plight of others -- is not a partisan feeling. It's not a Republican or a Democratic feeling. It, too, is part of the American character -- our ability to stand in other people's shoes; a recognition that we are all in this together, and when fortune turns against one of us, others are there to lend a helping hand; a belief that in this country, hard work and responsibility should be rewarded by some measure of security and fair play; and an acknowledgment that sometimes government has to step in to help deliver on that promise.

This has always been the history of our progress. In 1935, when over half of our seniors could not support themselves and millions had seen their savings wiped away, there were those who argued that Social Security would lead to socialism, but the men and women of Congress stood fast, and we are all the better for it. In 1965, when some argued that Medicare represented a government takeover of health care, members of Congress -- Democrats and Republicans -- did not back down. They joined together so that all of us could enter our golden years with some basic peace of mind.

You see, our predecessors understood that government could not, and should not, solve every problem. They understood that there are instances when the gains in security from government action are not worth the added constraints on our freedom. But they also understood that the danger of too much government is matched by the perils of too little; that without the leavening hand of wise policy, markets can crash, monopolies can stifle competition, the vulnerable can be exploited. And they knew that when any government measure, no matter how carefully crafted or beneficial, is subject to scorn; when any efforts to help people in need are attacked as un-American; when facts and reason are thrown overboard and only timidity passes for wisdom, and we can no longer even engage in a civil conversation with each other over the things that truly matter -- that at that point we don't merely lose our capacity to solve big challenges. We lose something essential about ourselves.

That was true then. It remains true today. I understand how difficult this health care debate has been. I know that many in this country are deeply skeptical that government is looking out for them. I understand that the politically safe move would be to kick the can further down the road -- to defer reform one more year, or one more election, or one more term.

But that is not what the moment calls for. That's not what we came here to do. We did not come to fear the future. We came here to shape it. I still believe we can act even when it's hard. (Applause.) I still believe -- I still believe that we can act when it's hard. I still believe we can replace acrimony with civility, and gridlock with progress. I still believe we can do great things, and that here and now we will meet history's test.

Because that's who we are. That is our calling. That is our character. Thank you, God bless you, and may God bless the United States of America. (Applause.)

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President Barack Obama's Speech to Classrooms

The President: Hello everyone – how’s everybody doing today? I’m here with students at Wakefield High School in Arlington, Virginia. And we’ve got students tuning in from all across America, kindergarten through twelfth grade. I’m glad you all could join us today.

I know that for many of you, today is the first day of school. And for those of you in kindergarten, or starting middle or high school, it’s your first day in a new school, so it’s understandable if you’re a little nervous. I imagine there are some seniors out there who are feeling pretty good right now, with just one more year to go. And no matter what grade you’re in, some of you are probably wishing it were still summer, and you could’ve stayed in bed just a little longer this morning.

I know that feeling. When I was young, my family lived in Indonesia for a few years, and my mother didn’t have the money to send me where all the American kids went to school. So she decided to teach me extra lessons herself, Monday through Friday – at 4:30 in the morning.

Now I wasn’t too happy about getting up that early. A lot of times, I’d fall asleep right there at the kitchen table. But whenever I’d complain, my mother would just give me one of those looks and say, "This is no picnic for me either, buster."

So I know some of you are still adjusting to being back at school. But I’m here today because I have something important to discuss with you. I’m here because I want to talk with you about your education and what’s expected of all of you in this new school year.

Now I’ve given a lot of speeches about education. And I’ve talked a lot about
responsibility.

I’ve talked about your teachers’ responsibility for inspiring you, and pushing you to learn.

I’ve talked about your parents’ responsibility for making sure you stay on track, and get your homework done, and don’t spend every waking hour in front of the TV or with that Xbox.

I’ve talked a lot about your government’s responsibility for setting high standards, supporting teachers and principals, and turning around schools that aren’t working where students aren’t getting the opportunities they deserve.

But at the end of the day, we can have the most dedicated teachers, the most supportive parents, and the best schools in the world – and none of it will matter unless all of you fulfill your responsibilities. Unless you show up to those schools; pay attention to those teachers; listen to your parents, grandparents and other adults; and put in the hard work it takes to succeed.
And that’s what I want to focus on today: the responsibility each of you has for your education. I want to start with the responsibility you have to yourself.

Every single one of you has something you’re good at. Every single one of you has something to offer. And you have a responsibility to yourself to discover what that is. That’s the opportunity an education can provide.
Maybe you could be a good writer – maybe even good enough to write a book or articles in a newspaper – but you might not know it until you write a paper for your English class. Maybe you could be an innovator or an inventor – maybe even good enough to come up with the next iPhone or a new medicine or vaccine – but you might not know it until you do a project for your science class. Maybe you could be a mayor or a Senator or a Supreme Court Justice, but you might not know that until you join student government or the debate team.

And no matter what you want to do with your life – I guarantee that you’ll need an education to do it. You want to be a doctor, or a teacher, or a police officer? You want to be a nurse or an architect, a lawyer or a member of our military? You’re going to need a good education for every single one of those careers. You can’t drop out of school and just drop into a good job. You’ve got to work for it and train for it and learn for it.

And this isn’t just important for your own life and your own future. What you make of your education will decide nothing less than the future of this country. What you’re learning in school today will determine whether we as a nation can meet our greatest challenges in the future.

You’ll need the knowledge and problem-solving skills you learn in science and math to cure diseases like cancer and AIDS, and to develop new energy technologies and protect our environment. You’ll need the insights and critical thinking skills you gain in history and social studies to fight poverty and homelessness, crime and discrimination, and make our nation more fair and more free. You’ll need the creativity and ingenuity you develop in all your classes to build new companies that will create new jobs and boost our economy.

We need every single one of you to develop your talents, skills and intellect so you can help solve our most difficult problems. If you don’t do that – if you quit on school – you’re not just quitting on yourself, you’re quitting on your country.

Now I know it’s not always easy to do well in school. I know a lot of you have challenges in your lives right now that can make it hard to focus on your schoolwork.

I get it. I know what that’s like. My father left my family when I was two years old, and I was raised by a single mother who struggled at times to pay the bills and wasn’t always able to give us things the other kids had. There were times when I missed having a father in my life. There were times when I was lonely and felt like I didn’t fit in.

So I wasn’t always as focused as I should have been. I did some things I’m not proud of, and got in more trouble than I should have. And my life could have easily taken a turn for the worse.

But I was fortunate. I got a lot of second chances and had the opportunity to go to college, and law school, and follow my dreams. My wife, our First Lady Michelle Obama, has a similar story. Neither of her parents had gone to college, and they didn’t have much. But they worked hard, and she worked hard, so that she could go to the best schools in this country.

Some of you might not have those advantages. Maybe you don’t have adults in your life who give you the support that you need. Maybe someone in your family has lost their job, and there’s not enough money to go around. Maybe you live in a neighborhood where you don’t feel safe, or have friends who are pressuring you to do things you know aren’t right.

But at the end of the day, the circumstances of your life – what you look like, where you come from, how much money you have, what you’ve got going on at home – that’s no excuse for neglecting your homework or having a bad attitude. That’s no excuse for talking back to your teacher, or cutting class, or dropping out of school. That’s no excuse for not trying.

Where you are right now doesn’t have to determine where you’ll end up. No one’s written your destiny for you. Here in America, you write your own destiny. You make your own future.

That’s what young people like you are doing every day, all across America.
Young people like Jazmin Perez, from Roma, Texas. Jazmin didn’t speak English when she first started school. Hardly anyone in her hometown went to college, and neither of her parents had gone either. But she worked hard, earned good grades, got a scholarship to Brown University, and is now in graduate school, studying public health, on her way to being Dr. Jazmin Perez.

I’m thinking about Andoni Schultz, from Los Altos, California, who’s fought brain cancer since he was three. He’s endured all sorts of treatments and surgeries, one of which affected his memory, so it took him much longer – hundreds of extra hours – to do his schoolwork. But he never fell behind, and he’s headed to college this fall.

And then there’s Shantell Steve, from my hometown of Chicago, Illinois. Even when bouncing from foster home to foster home in the toughest neighborhoods, she managed to get a job at a local health center; start a program to keep young people out of gangs; and she’s on track to graduate high school with honors and go on to college.

Jazmin, Andoni and Shantell aren’t any different from any of you. They faced challenges in their lives just like you do. But they refused to give up. They chose to take responsibility for their education and set goals for themselves. And I expect all of you to do the same.

That’s why today, I’m calling on each of you to set your own goals for your education – and to do everything you can to meet them. Your goal can be something as simple as doing all your homework, paying attention in class, or spending time each day reading a book. Maybe you’ll decide to get involved in an extracurricular activity, or volunteer in your community. Maybe you’ll decide to stand up for kids who are being teased or bullied because of who they are or how they look, because you believe, like I do, that all kids deserve a safe environment to study and learn. Maybe you’ll decide to take better care of yourself so you can be more ready to learn. And along those lines, I hope you’ll all wash your hands a lot, and stay home from school when you don’t feel well, so we can keep people from getting the flu this fall and winter.

Whatever you resolve to do, I want you to commit to it. I want you to really work at it.

I know that sometimes, you get the sense from TV that you can be rich and successful without any hard work -- that your ticket to success is through rapping or basketball or being a reality TV star, when chances are, you’re not going to be any of those things.

But the truth is, being successful is hard. You won’t love every subject you study. You won’t click with every teacher. Not every homework assignment will seem completely relevant to your life right this minute. And you won’t necessarily succeed at everything the first time you try.

That’s OK. Some of the most successful people in the world are the ones who’ve had the most failures. JK Rowling’s first Harry Potter book was rejected twelve times before it was finally published. Michael Jordan was cut from his high school basketball team, and he lost hundreds of games and missed thousands of shots during his career. But he once said, "I have failed over and over and over again in my life. And that is why I succeed."

These people succeeded because they understand that you can’t let your failures define you – you have to let them teach you. You have to let them show you what to do differently next time. If you get in trouble, that doesn’t mean you’re a troublemaker, it means you need to try harder to behave. If you get a bad grade, that doesn’t mean you’re stupid, it just means you need to spend more time studying.

No one’s born being good at things, you become good at things through hard work. You’re not a varsity athlete the first time you play a new sport. You don’t hit every note the first time you sing a song. You’ve got to practice. It’s the same with your schoolwork. You might have to do a math problem a few times before you get it right, or read something a few times before you understand it, or do a few drafts of a paper before it’s good enough to hand in.

Don’t be afraid to ask questions. Don’t be afraid to ask for help when you need it. I do that every day. Asking for help isn’t a sign of weakness, it’s a sign of strength. It shows you have the courage to admit when you don’t know something, and to learn something new. So find an adult you trust – a parent, grandparent or teacher; a coach or counselor – and ask them to help you stay on track to meet your goals.

And even when you’re struggling, even when you’re discouraged, and you feel like other people have given up on you – don’t ever give up on yourself. Because when you give up on yourself, you give up on your country.
The story of America isn’t about people who quit when things got tough. It’s about people who kept going, who tried harder, who loved their country too much to do anything less than their best.

It’s the story of students who sat where you sit 250 years ago, and went on to wage a revolution and found this nation. Students who sat where you sit 75 years ago who overcame a Depression and won a world war; who fought for civil rights and put a man on the moon. Students who sat where you sit 20 years ago who founded Google, Twitter and Facebook and changed the way we communicate with each other.

So today, I want to ask you, what’s your contribution going to be? What problems are you going to solve? What discoveries will you make? What will a president who comes here in twenty or fifty or one hundred years say about what all of you did for this country?

Your families, your teachers, and I are doing everything we can to make sure you have the education you need to answer these questions. I’m working hard to fix up your classrooms and get you the books, equipment and computers you need to learn. But you’ve got to do your part too. So I expect you to get serious this year. I expect you to put your best effort into everything you do. I expect great things from each of you. So don’t let us down – don’t let your family or your country or yourself down. Make us all proud. I know you can do it.

Thank you, God bless you, and God bless America.

Updated: Sept. 8th
Comments From Address Transcript-

REMARKS BY THE PRESIDENT IN DISCUSSION WITH 9TH GRADERS

Wakefield High School
Arlington, Virginia

11:01 A.M. EDT

THE PRESIDENT: Thank you. So this is the first day of high school?

STUDENTS: Yes.

THE PRESIDENT: Wow. I'm trying to remember back to my first day of high school. I can't remember that far back. But it is great to see all of you here. I'm really proud of my Secretary of Education, Arne Duncan, who is just doing a great job trying to create an environment where all of you can learn. And I know it's a little intimidating with all these cameras around and all this --

SECRETARY DUNCAN: Don't pay any attention to them.

THE PRESIDENT: -- so just pretend that they're not there.

Here's the main reason I wanted to come by. As Arne pointed out, when I was growing up, my dad wasn’t in the house. We weren’t poor, but we weren’t rich. My mother had to work really hard, so sometimes my grandparents had to fill in. And my wife, Michelle, who all of you have seen -- the First Lady -- her dad worked in a -- as a -- basically in a blue-collar job, an hourly worker. Her mom worked as a secretary. And they lived in a tiny -- they didn’t even live in a house, they lived upstairs above her aunt's house. And so neither of us really had a whole lot when we were growing up, but the one thing that we had was parents who insisted on getting a good education.

And I want you all to know that despite the good home training I was getting, that when I was in 9th and 10th grade, I was still kind of a goof-off and I didn’t study as hard as I could have. I was a lot more concerned about basketball. I made some mistakes when I was in high school, wasn’t as focused as I should have been. But the fact that my parents -- that my mother and my grandparents had emphasized education allowed me to make up for some of those mistakes and still get into a good college. And when I got to college, I was then able to really bear down and focus on education.

Michelle, she was a good student the whole time. She was sort of a goody-two-shoes. (Laughter.) And she just did well in high school, and then she went to college and then she went to law school, and she just was always really organized and together.

But the point is, is that both of us were able to succeed not because of who our parents were, not because we came from a lot of wealth or because we had a lot of connections, but it was mainly just because we ended up getting into good schools and we worked hard and we did well.

All of you are in that same position. And as I look out at this class, I say to myself, you guys remind me of me and Michelle. And you're in the same position that we were. We were no different. You have the same opportunities that we had. The key is for you to seize those opportunities.

And the reason I wanted to come by to talk to students -- and then we're going to talk to students all across the country -- Arne is working really hard to make sure that your schools are well equipped; we're trying to get more money in the budget for things like computers, and we want to make sure that we're getting the very best teachers and that they're getting all the training they need -- we're doing everything we can as adults to give you a good learning situation. But ultimately, we can't force you to learn. Not even your parents can force you to learn. Ultimately, you've got to want to learn. You've got to realize that education is your ticket. And that education is not going to happen just because you show up, although showing up helps, so I want to make sure everybody --

SECRETARY DUNCAN: We're glad you're here.

THE PRESIDENT: We're glad you're here. You've got to be hungry to want to learn more -- whatever the subject is. And if you have that hunger and that drive and that passion, you're going to do well. And if you don't, you know, you're just going to do okay, you'll be mediocre. And I don't think that's what any of you want for your lives.

So that's the main message that I wanted to send is, take advantage of the opportunity. If you are hungry for learning, you will find teachers that want to help you. You will -- your parents will be there for you. The community will be there. You will be able to finance college. You will be able to get a good job. You will be able to have a successful career. But you've got to want it. And that's the main message that we wanted to send.

So, with that, we've got about 20 minutes just to go back and forth. And I know, like I said, it's a little intimidating having these folks around. But it's not every day that you get a chance to talk to the President. (Laughter.) I'm not going to call on anybody. Just whoever has a question or a comment, a suggestion, an idea about what you think would make school better, things that you think make it tough for some kids, even if it's not you, but things that you've heard that you think we should know. Questions about Bo, my dog, that's okay, too. (Laughter.) Whatever comes to mind.

So who wants to start off? I know -- there you go. That's what I'm talking about. We got a mic, so everybody can hear you. Introduce yourself.

STUDENT: How has your life changed?

THE PRESIDENT: What's your name?

STUDENT: Jimmy.

THE PRESIDENT: Jimmy. How has my life changed?

SECRETARY DUNCAN: That's a good question.

THE PRESIDENT: Well, you know, when you announce that you're running for President -- first of all, I was a U.S. senator before I was President, so people already sort of knew me but just in Illinois, in my home state, in Chicago. And when you announce that you're running for President, suddenly a lot more people know you. And then slowly you get Secret Service. And then when you win the nomination you get more Secret Service. And then when you become President, then everything just shuts down. And so one of the biggest changes in my life is that I can't just do things normally like I used to be able to do them. And that's hard sometimes. I mean, I can't just get in my car, go to the store, pick up some -- whatever it is that I feel like picking up. I can't go take a walk without shutting down a whole bunch of roads and really inconveniencing a lot of people. (Laughter.)

And so in terms of my own personal life, I think the biggest change is that I'm inside what's called the bubble. I can't just do things on the spur of the moment. And that's actually the toughest thing about being President, because you want to just be able to interact with people normally, right? And these days either people are waving and really happy to see me, or they're booing me, saying -- (laughter) -- you know. But nobody just kind of interacts with you in a normal way.

The good thing about being President is I've got this really nice home office called the Oval Office -- (laughter) -- and it means that I don't have a commute. Basically I walk downstairs, I'm in my office, I'm working, and then I can leave to get home in time to have dinner with my family. So I'm spending a lot more time with my kids now, and my wife now, and having dinner with them every night. That's a lot better than it was before when I was traveling a lot and commuting back and forth between D.C. and Chicago. So that's really good.

Now, obviously the other way my life has changed is just I have so much more responsibility. But that part of the job I really enjoy. I mean, I really like meeting smart people who are passionate about their work; trying to figure out how do we get the schools better, how do we provide health care for people who don't have it -- the policy work of thinking through how can we make changes in the country that will give people more opportunity, better jobs, better education. That stuff is what I spend most of my day doing and that's really interesting. I really enjoy it.

All right, who else? Right here.

STUDENT: Hi, my name is Brandon. I was wondering, you said that your father wasn't really in your life. That's kind of like me -- my parents were divorced. But how do you think your life would have been different if he would have been there for you? Like, if -- how would your education have been and would you still be President?

THE PRESIDENT: It's an interesting question. You know, you never know exactly how your life would turn out if there was a change in circumstances as big as your dad being around. I think that -- I actually wrote a book about this, called "Dreams For My Father," where I tried to figure out what was he like, who was he. He was a very, very smart man, but he was sort of arrogant and kind of overbearing, and he had his own problems and his own issues. So my mother always used to say that if he had been around, I probably would have been having a lot of arguments with him all the time.

I think that I was lucky, though, that my mother always -- she never spoke badly about him, which I think since I was a boy, knowing that even if your dad wasn't around, that you still were hearing good things about him I think probably improved my own self-confidence.

When I look back on my life, I think that -- Michelle's dad was around, and Arne I think knew him. Just a great guy. Wonderful, wonderful man. And he actually had multiple sclerosis, so he had to walk with canes, but went to every basketball game that my brother-in-law played in, was there for every dance recital Michelle was in, was just a great family man. And when I look at her dad, I say to myself, boy, that would be nice to have somebody like that that you could count on who was always there for you.

On the other hand, I think that not having a dad in some ways forced me to grow up faster. It meant that I made more mistakes because I didn't have somebody to tell me, here's how you do this or here's how you do that. But on the other hand, I had to, I think, raise myself a little bit more. I had to be more supportive of my mother because I knew how hard she was working. And so, in some ways, maybe it made me stronger over time, just like it may be making you stronger over time.

Let's get a young lady in here. Go ahead.

STUDENT: Hi. I'm Lilly. And if you could have dinner with anyone, dead or alive, who would it be? (Laughter.)

THE PRESIDENT: Dinner with anyone dead or alive? Well, you know, dead or alive, that's a pretty big list. (Laughter.) You know, I think that it might be Gandhi, who is a real hero of mine. Now, it would probably be a really small meal because -- (laughter) -- he didn't eat a lot. But he's somebody who I find a lot of inspiration in. He inspired Dr. King, so if it hadn't been for the non-violent movement in India, you might not have seen the same non-violent movement for civil rights here in the United States. He inspired César Chávez, and he -- and what was interesting was that he ended up doing so much and changing the world just by the power of his ethics, by his ability to change how people saw each other and saw themselves -- and help people who thought they had no power realize that they had power, and then help people who had a lot of power realize that if all they're doing is oppressing people, then that's not a really good exercise of power.

So I'm always interested in people who are able to bring about change, not through violence, not through money, but through the force of their personality and their ethical and moral stances. And that's somebody that I'd love to sit down and talk to.

STUDENT: Hi, my name is Alexis. And I was just wondering what were your main goals before you graduated college, what you wanted to achieve in life?

THE PRESIDENT: You know, as I said, when I was your age, I've got to say that I was a little bit of a goof-off, so my main goal was to get on the varsity basketball team, to have fun. And when I was younger, my aspirations were to be an architect, maybe to be a judge. And then I went through this phase where I was kind of rebelling -- this was part of not having a dad around. I think I sort of was trying to work through my issues. But by the time I got to college, A, I realized I was never going to be a pro basketball player. Arne never realized that. (Laughter.) He still doesn’t.

SECRETARY DUNCAN: Still trying.

THE PRESIDENT: We played this weekend. But so I realized I wasn’t going to be a world-class athlete. I realized that I was good with writing. I was good in sort of analyzing how the world worked, whether it was politics or economic or -- that those were my strengths. I was pretty good at math, but wasn’t great at it. And the problem was the four years in high school that I let my math skills kind of go, it's hard to catch up with math once you’ve -- which is why, by the way, we need more scientists, we need more engineers, and if you're good at math stay with it and really focus on it. That's something that I regret, is having let some of that go, because I was good at when I was young.

So I think I figured out at that point that I wanted to be in some sort of job where I was helping people, that -- I was never that interested in just being rich. That wasn’t my -- that wasn’t really my goal. My goal was more to do something that I thought was meaningful. And so in college I became interested in public policy and urban policy. And I started doing some stuff off campus around different issues, which is something -- and doing community service type of work.

And I don't know what the opportunities here are at Wakefield, but one of the things that is a really great learning opportunity is to -- if there's a community service program here, or if you want to do it through your church or your synagogue or your mosque or some other community group, you can really learn a lot about the world not just in the classroom, but also outside of the classroom.

Now, you've got to focus on doing what -- your top priority has to be your classroom work. But I found in college that some of the work I did in the community actually opened my eyes and gave me a sense of how I might be able to help people. And that was really important.

STUDENT: Why did you decide to come to Wakefield instead of, like, Yorktown or Washington?

THE PRESIDENT: You know, Wakefield has a wonderful reputation; this is a good school. I think when I look around the room, I really like the fact that it's a diverse school, that there are just people from all different walks of life here. I think that's part of the strength of America. And this is basically what America increasingly looks like, people from all different walks of life, different backgrounds, different religions, different ethnic backgrounds. And so we thought that this would be a good representative sample of students. And your questions have proven me right.

STUDENT: Hi, I'm Sam. And I was just wondering how you motivate yourself to do all the work that goes along with your job.

THE PRESIDENT: That's a great question. You know, some of it -- I'm just going to be honest with you -- some of it is just you don't want to fail. Right? A lot of people are counting on me. And so even when I'm really tired or things aren't going exactly the way I thought they would be going, or there's just a lot of problems that are landing on my desk, I think about all the struggles that a lot of people are going through around the country and I say to myself, it's such an honor to be in this job; I can't afford to get tired; I just want to make sure that I'm doing the best that I can do for those folks.

And one of the things that we started doing as soon as I came in -- we get thousands of letters -- I think it's 40,000 letters a day -- letters or e-mails -- a day from people all across the country, on all different subjects. And one of the things we started doing was trying to get 10 letters every day, sort of a sample of letters that I read personally. So at the end of my day, along with my big briefing book of things I have to read to prepare for the next day -- education policy, or health care, or what's happening in Afghanistan -- I have these 10 letters from ordinary folks.

And you read these letters and some of them are really inspiring. People talk about how they're the first in their family to go to college, and they're having to work full-time but they're sure that they are going to get a better job and a better career, and so they're sticking with it even though that it's hard.

Some of the stories are really depressing. You hear about people who are sick but don't have health care, and suddenly they get a bill for $100,000, and there's no way they can pay for it, and they're about to lose their house.

And you're just reminded that the country is full of really good people who sometimes are going through a hard time. They just need a break. They need a little bit of help. Maybe the way things are set up right now isn't always fair for people, and that motivates you, because you say, well, I can't make everything perfect, I can't prevent somebody from getting sick, but maybe I can make sure that they've got insurance so that when they do get sick, they're going to get some help.

I can't make everybody in an inner-city school suddenly not have problems with drugs on the street corner, or maybe parents who aren't really parenting well, but I can at least make sure that if they do show up at school that they've got a teacher who is well trained. So that really, really motivates you a lot. That's what gets you up in the morning.

SECRETARY DUNCAN: Last one. Last question.

THE PRESIDENT: Who's got the mic? Well, he already had the mic, so we'll give two last questions. These two right here. Go ahead.

STUDENT: Hi, Mr. President, my name is Jessie. When I grow up, I would like to have your job.

THE PRESIDENT: Okay.

STUDENT: Is there any advice you can give me, or career paths that I -- things I need to know?

THE PRESIDENT: Well, let me give you some very practical tips. (Laughter.) First of all, I want everybody here to be careful about what you post on Facebook -- (laughter) -- because in the YouTube age, whatever you do, it will be pulled up again later somewhere in your life. And when you're young, you make mistakes and you do some stupid stuff. And I've been hearing a lot about young people who -- you know, they're posting stuff on Facebook, and then suddenly they go apply for a job and somebody has done a search and -- so that's some practical political advice for you right there. (Laughter.) That's number one.

Number two, look, obviously, doing well in school is hugely important, especially if you don't come from some political family where they've got you all hooked up. If you're going to succeed it's because people are going to think that -- they have confidence that you can do the job. So really excelling in education is important.

Number three, find something that you're passionate about and do that well. There are a lot of people who decide to go into politics just because they want to be important or they like the idea of having their name up in lights or what have you. The truth is, is that I think the people who are the best elected officials are the people who they found something they're good at; they get really -- whether it's they're a really good lawyer, they're a really good teacher, they're a good business person -- they've built a career and learned something about how to organize people and how to motivate people. And then they go into politics because they think that they can take those skills to do some more good -- as opposed to just wanting to get elected just for the sake of getting elected.

And we have a lot -- I'll be honest with you, I mean, there are a lot of politicians like that who, all they're thinking about is just, how do I get reelected, and so they never actually get anything done.

But that's not just true in politics; that's true in life. I think even if you didn't want to be President, if you wanted to be a successful -- successful in business, most of the most successful businesspeople I know are people who, they were passionate about some idea about a product or a service, and they really got into that. And then the money was a byproduct -- the money came because you really did something good, as opposed to you just thinking about how do I make money.

You talk to somebody like a Bill Gates. That guy was just fascinated with computers, and that's everything he was thinking about. Now, he got so good at it that he then ended up being a very good businessman, as well. But his focus was on how do I create something that actually helps people or is useful to them. And I think you should have that same attitude, whatever it is that you decide to do.

All right. Okay, last question.

STUDENT: Hi, my name is Sean. And my question is, currently 36 countries have universal health coverage, including Iraq and Afghanistan, which have it paid for by the United States. Why can't the United States have universal health coverage?

THE PRESIDENT: Well, I think that's the question I've been asking Congress, because I think we need it. I think we can do it. And I'm going to be making a speech tomorrow night talking about my plan to make sure that everybody has access to affordable health care.

Part of what happened is that back in the 1940s and '50s a lot of -- most of the wealthy countries around the world decided to set up health care systems that covered everybody. The United States -- for a number of different reasons -- organized their health care around employer-based health insurance. So what happened was, is that you basically got your health insurance through your job. And you can see some problems with that. Number one is if you lose your job, then you don't have health insurance. The other thing is some employers may not want to do right by their employees by giving them health insurance, and then they're kind of out of luck.

And so what happened was, is that the majority of Americans still have health insurance through their job and most of them are happy with it, but a lot of people fall through the cracks. If you're self-employed, if you start your own business, if you are working in a job that doesn't offer health insurance, then you're -- you have real problems.

So what we're trying to do is set up a system where people who have health insurance on the job, they can keep it, but if you don't have health insurance for the job, if you're self-employed, if you're unemployed, that you're able to get health insurance through another way. And we can afford to do it and it will actually, I think, over time save us money if we set that up. All right?

Well, listen, guys, these have been terrific questions. I can tell you guys are going to excel in high school. You guys are going to do great. And your teachers are lucky to have you. And just remember that -- my only other piece of advice is stay focused, do well, apply yourself in school -- but also understand you're going to make some mistakes during your teenage years and you can recover from them. Just make sure that if you do make a mistake that you learn from it and you'll be fine.

All right. Thank you guys for taking the time.

SECRETARY DUNCAN: Thanks, guys. Have a great school year. (Applause.)

END
11:29 A.M. EDT