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Sen. John McCain, Republican

• Reform Medicaid to eliminate fraud and waste, cut costs and reward providers for quality outcomes, prevention and coordination of care.

• Offer a $5,000 tax credit for families and a $2,500 credit for individuals to buy health insurance.

•Offer a HOME program to help people facing foreclosure to refinance using a 30-year fixed rate FHA-guaranteed loan.

• Strengthen job training programs and eliminate redundant federal programs. Create a flexible training account and lost earnings supplement for displaced workers.

Source: McCain campaign and www.johnmccain.com/

Sen. Barack Obama, Democrat

• Expand the Earned Income Tax Credit and raise the minimum wage to $9.50 an hour by 2011 and index it to inflation.

• Establish a National Health Insurance Exchange offering private health insurance or a public plan based on what is available to members of Congress. Offer a tax credit to help pay for insurance coverage.

• Help homeowners avoid foreclosure by providing incentives for lenders to convert mortgages to 30-year fixed rate mortgages.

• Enact an emergency economic plan providing a $1,000 rebate and giving $25 billion to states to retain social services programs.

Source: Obama campaign and www.barackobama.com.