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      Never Mind About Ron DeSantis

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      Bret Stephens: Hi, Gail. I guess we have to talk about Donald Trump’s potential indictment and arrest, right? But before we go there: You know how I told you that I’d vote for Ron DeSantis over Joe Biden?Well, never mind.Gail Collins: Bret! You’re gonna vote for our big-spending president? Student-loan forgiver? Tax-the-richer?Bret: I’m still holding out faint hope that Nikki Haley or Tim Scott or my friend Vivek Ramaswamy or some other sound and sane Republican long shot somehow gets the nomination.Gail: Happy to gear up for that fight.Bret: But for DeSantis to call Russia’s invasion of Ukraine a “territorial dispute” in which the United States does not have a “vital interest” tells me that he’s totally unfit to be president. He’s pandering to the Tucker Carlson crowd.Gail: The Terrible Tuckerites …Bret: He is parroting Kremlin propaganda. He’s undermining NATO. He’s endangering America by emboldening other dictators with “territorial disputes,” starting with China’s Xi Jinping. He’s betraying the heroism and sacrifice of the Ukrainian people. He’s turning himself into a kind of Diet Pepsi to Trump’s Diet Coke. He’s showing he’s just another George Costanza Republican, whose idea of taking a foreign-policy stand is to “do the opposite” of whatever the Democrats do.Gail: Wow, can’t believe I’ve found someone who thinks less of DeSantis than I do.Bret: So, about Donald: to indict and arrest or not to indict and arrest? That’s the question. Where do you come down?Gail: No real doubts on the guilt front, and I’m pretty confident we’ll eventually see an indictment. The question is — what then? I’m hoping for a procedure in which he has to appear in public to answer the charges but doesn’t get treated in any way that’ll cause any not-totally-crazy supporters to gather for a riot.Bret: True, though why do I get the sense that Trump is practically jumping for joy? I mean, the first indictment of a former American president is going to be over what is typically a misdemeanor? I yield to nobody in my disgust with the guy, but so far, this sounds like prosecutorial abuse and political malpractice. Democrats will live to regret it.But to go from the horrifying to the truly horrifying: How goes your banking crisis?Gail: Bret, would definitely appreciate this not being “my” banking crisis.Bret: Give the crisis about six months. Or six weeks. Or maybe six days. It’ll be all of ours. Suggest you buy inflation-proof assets, like a rare instrument or 50-year-old scotch.Gail: Or some great old wine! Although in my house it’d never outlast the bank bust.As to a response, I’m in Bidenesque territory — the government does what it has to do to stabilize the situation, including covering the deposits in delinquent institutions like Silicon Valley Bank. But the only people who get rescued are the depositors.Bret: The big mistake of the administration was to bail out all the depositors, including a lot of very rich people who ought to have known better, instead of sticking to the F.D.I.C. limit of $250,000. Now the Feds have bailed out a bunch of rich, foolish and undeserving Silicon Valley dipsticks while creating an implicit, and systemically dangerous, guarantee for all depositors at all banks.Gail: I don’t love the idea of helping out $250,000-plus depositors, even over the short term, but this is not a good moment to destabilize the whole economy.Over the long term, however, those banks, their managers and big stockholders are going to have to be held accountable. Also Congress, which watered down regulations on midsize banks a few years back.Bret: Hard to tell whether the real issue was inadequate regulation, a badly run bank or — my guess — far deeper problems in the economy. Turns out Silicon Valley Bank didn’t even have a full-time chief risk officer for much of last year.Gail: You will notice I haven’t mentioned the Federal Reserve. Saving that for you …Bret: The Fed now has two bad problems, both of them largely of its own making. The first is inflation, which remains stubbornly high and was brought on in part because interest rates were too low for way too long. The second is an economy, particularly the banking sector, that seems to be seriously ill prepared for an era of higher rates. A classic Scylla and Charybdis situation, through which Jay Powell is somehow supposed to steer us. My advice to Powell — other than to tie himself to the mast — is to continue to raise rates, even if it means recession, and call for fiscal relief in the form of tax breaks for businesses ….Gail: Stopstopstop. Bret, Congress has to get a budget passed somehow, and the Republican plan is so nutty that even some Republicans don’t buy it. You’re suggesting that we cut taxes for businesses that are already making handsome profits.Bret: Businesses may be looking forward to a steep recession and much steeper borrowing costs. It’s a recipe for collapsing revenues and mass layoffs for businesses large and small. Better for the government to lighten the load for employers, even if it means piling on additional federal debt. In fact, it could be a good way to solve the debt-ceiling question.Gail: The people who are demanding this kind of bonanza for the rich are the same ones who are violently opposed to giving the deeply underfunded I.R.S. any new money. What could be worse than efficiently monitoring tax compliance?Bret: We’re both in favor of giving the I.R.S. the funding it needs to answer taxpayer phone calls. But if the economy is about to fall off a cliff, I don’t think the answer is to make sure the taxman is at the bottom of it, picking the pockets of the dead and wounded. Gail, this topic is … getting me down. You wrote a column last week saying that Kamala Harris is definitely staying on Joe Biden’s ticket. That gets me down, too, but please explain further.Gail: Well, we both agreed for quite a while that if Biden ran again, he should pick a different veep.Bret: Like Gina Raimondo, the commerce secretary, or Michelle Lujan Grisham, the governor of New Mexico, or Danielle Allen, the brilliant Harvard political philosopher who has the added virtue of not being a politician.Gail: Yes, but then I gave it a long, hard thought — trying to imagine how that would work out. Tossing Harris off the ticket would be hugely disrespectful. There’s nothing she’s done that deserves that kind of insult.Bret: Did Nelson Rockefeller deserve it? Politics is politics.Gail: There are lots of terrific women in high places — governors and senators — who’d be terrific as vice president. But we aren’t starting from scratch. Harris has made some errors in her current job, but she’s done some good things, too. Just don’t think this rises to the occasion of Throw Her Out.Bret: To me, she’s Dan Quayle-level ridiculous — and George H.W. Bush would have been wise to toss Quayle from the ticket in 1992. You can bet that whoever the Republican nominee is next year will hammer away at Biden’s age and her shortcomings — like saying we have a secure border with Mexico or confusing North and South Korea — to very good political effect.Gail: Let’s go back to the president you … may be willing to vote to re-elect. He’s fighting hard to reduce federal student debt payments for low- and moderate-income people. I remember your not loving this idea in the past. Any change of heart?Bret: Nope. The problem we have with the banks stems from what economists call moral hazard — basically, encouraging risky behavior. Pardoning student debt is another form of moral hazard: It encourages people to take out loans unwisely in the expectation that they might one day be forgiven. If we are forgiving college loans now, why not forgive mortgages next? Also, it’s an unconstitutional usurpation of Congress’s legislative prerogatives. Democrats objected when Trump steered Defense Department money to building the border wall without congressional authorization; Democrats shouldn’t further establish a bad precedent.Assuming you see it otherwise.Gail: Yeah. A lot of these people have been making loan payments for decades without making much progress in erasing the actual debt. None of them are rich, and a lot are struggling endlessly.I can understand the resentment from folks who made a great effort and did pay off their loans. But we’re talking, in general, about people who were given the impression that borrowing large amounts of money to get a no-frills degree was a great investment that always paid off.Bret: If the government is expected to backstop everybody’s bad or dumb decisions, the country would bankrupt itself in a week. Part of living in a free society is being responsible for your choices, including your mistakes.Gail: I’m looking at this as a one-time shot that’s worth taking. But I have to admit I don’t love the idea of Biden acting without congressional authorization. Even though he wouldn’t have gotten it.Sigh.Bret: Never mind Congress — I can’t see this getting past the Supreme Court, so what we’re really talking about is another phony campaign promise.Gail: Well, I guess it’s a case of what ought to be versus what can be. But I still think there should be loan forgiveness for those who’ve spent half their lives trying to pay off a debt they were generally too young and uninformed to realize they should avoid.Really, Bret, who wants to perpetually punish people who fell for the siren call of “borrow money for your education”?Bret: In the meantime, Gail, we have Wyoming outlawing abortion pills. We’ll need to devote more time to the subject soon, but all I’ll say for now is: When the world goes to hell, it has a way of getting there fast.Gail: I’ve been thinking about Wyoming so much, Bret. Let’s go at it in depth next week. But if you hear that I was caught growling in public, you’ll know why.The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.Follow The New York Times Opinion section on Facebook, Twitter (@NYTopinion) and Instagram. More

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      The Political Winds Are Blowing. And Blowing. And Blowing.

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      Gail Collins: Bret, I think we’ve got good fighting topics this week, but let me start with a rather mellow question.Presidential primaries already in the news! How do you feel about Joe Biden’s push to make South Carolina the first state to vote on the Democratic side? Certainly driving Iowa crazy ….Bret Stephens: It was Biden’s big win in South Carolina in the 2020 primaries that rescued his flailing campaign. I’ll take this as further evidence that the president means to run for re-election. Remember the ’90s dance tune, “Things That Make You Go Hmmmm…”? This is a “Thing That Makes You Go Oy.”Gail: Hehehe. I’ve spent a goodly amount of time in Iowa over the years and always liked talking with the folks who were so proud of their standing as first-choosers.But the last time, really, was a disaster. The Democratic Party workers just couldn’t get stuff straight. I remember one leader saying: “I don’t even know if they know what they don’t know.”So I could go for … taking turns. This time South Carolina. Next time, maybe Michigan. For the Democrats, anyhow. Do the Republicans have a consensus, or do they even care?Bret: I like your suggestion, provided there’s enough demographic and geographic variety. The point isn’t just to choose the person who appeals to the base. It’s also to test the candidates’ abilities to connect to a wide variety of voters, particularly those who are more center-leaning.Gail: Hey, the fringe has feelings, too.Bret: As for Republicans, I just hope someone other than Mr. Revoke-the-Constitution announces his or her intent to run. I also hope Republicans take their own lesson from the midterms, which is that they can win when they run with normal candidates but will lose when they nominate crazies.Gail: Ah Bret, your faith in the ability of the Republican Party to avoid crazies is touching. Notice I did not say … crazy.Bret: Question for you, Gail. Of the potential G.O.P. field besides Donald Trump — Ron DeSantis, Mike Pence, Nikki Haley, Mike Pompeo, Glenn Youngkin, Ted Cruz — who do you think would be the most formidable in a general election?Gail: Well, the idea of a Cruz campaign gives me the giggles. If the weather gets unpleasant, maybe he’d move the convention from Milwaukee to Cancún.Bret: Another Cruz campaign would be like a remake of “Ishtar,” only without the original’s wit, originality and box-office success.Gail: DeSantis is the non-Trumpian favorite, I guess, but I have my doubts about his talent as a presidential level campaigner. Nikki Haley always seems promising, then never really delivers ….Really, you’re the one who should be judging. Give me your opinion.Bret: Haley would be a better candidate in a general election than DeSantis, both because she has a better personal story and more human warmth. But the party’s heart right now seems to be with the Florida governor. If the two run as a ticket, they’ll be formidable contenders.Gail: Sigh.Bret: What I long for, Gail, is the return of the Republican Party I used to vote for — the one that believed in lower taxes and less regulation, free trade and the defense of free nations, law-and-order and fidelity to normal democratic principles. There were aspects of that party I never liked, especially when it came to its moralistic obsessions, but I could live with them so long as it didn’t seem to threaten the basic social compact in the country. Now, especially after the Dobbs decision and the rise of so-called national conservatism, I wonder whether that party will ever exist again. I suspect I know what you think ….Gail: Yeah, sorry Bret. I think your party has been gobbled up by the crazies.Bret: To adapt Billy Joel: You may be right. They may be crazy. And it still might be a lunatic they’re looking for.Gail: Meanwhile, alas, I don’t think mine is really going to suit you. Which reminds me: I’ve really been rooting for Biden to get around the court challenges to his student loan forgiveness program. Doesn’t look promising, and I presume that makes you happy?Bret: Yep. Federal courts have been rightly skeptical of any presidential decision, made with no input from Congress, that will cost taxpayers $400 billion or more. It’s an abuse of the separation of powers, an insult to everyone who paid off their debts and a giant moral hazard when it comes to other types of debt. I gather you see it, er, differently?Gail: Well yeah. We’ve got a generation of Americans who were encouraged to take out big federal student loans — often by scummy for-profit schools that never really delivered anything. Even those who went to good colleges were never given the proper information about their likely future earnings compared with debt.Bret: I don’t see people who get student loans as victims. I see them as beneficiaries who won’t make good on their end of a bargain.Gail: You’re talking about a multitude of earnest young people whose lives are going to be hamstrung — and a lot of them will simply never get out of the hole. I say, let’s put this behind us, and make sure borrowers of the future have a really clear idea of what they’re getting into.Bret: From what I’ve read, undergraduates who finish their degrees borrow an average of about $30,000 for a degree that will raise their lifetime incomes by at least half a million, which sounds like a good deal, and the students with the biggest loans are often those who are going to law school or getting other professional degrees, meaning they can usually expect higher lifetime earnings. This just seems like a giant giveaway to young progressives who don’t like the idea that loans are things you have to repay.Switching topics, Gail, I guess we’ll soon know the results of Georgia’s Senate runoff. Final thoughts on the contest?Gail: I’m betting on Raphael Warnock, the incumbent Democrat. As opposed to a guy who barely seems to know what the Senate does, who also appears to be a legal resident of Texas.Bret: Walker is a bottomless gift. To Democrats.Gail: Whoever wins, the Democrats will at minimum have control of the Senate with that vice-presidential vote thrown in. But if it was really, truly a matter of which party would be in charge, would you be tempted to grit your teeth and support the dreadful Republican in this case?Bret: No. Never. Ever. Just the fact that he managed to make it to a runoff is a sign of how much is wrong with the United States today. A near-majority of voters in Georgia would rather vote for a moral delinquent with no grasp of the issues at hand than someone with whom they merely disagree.Can we talk about something a little less … depressing? How about the World Cup?Gail: Sure, um … briefly. Back in the day, I remember being amazed when friends from overseas started getting worked up over this game my domestic pals and I had never heard of.Bret: Fútbol.Gail: Still never actually sat through a game, to be honest. You’re an international traveler, so tell me what you think.Bret: For all the problems, both with the host country, Qatar, and the organization that oversees the World Cup, FIFA, the whole event is a great global uniter and equalizer. Little Tunisia beats France. Cameroon beats mighty Brazil. America beats Iran — but Iranians cheer because the loss embarrasses their oppressive rulers. People become madly patriotic, but respect the patriotism of the opposing players. It’s wonderful, even if (or maybe because) it’s so ethereal.Gail: I hear you.Bret: Also, it has produced some of the very best writing I’ve seen in The Times recently. Take this gem of a sentence from Andrew Das about Brazil’s 1-0 win over Switzerland: “So with an entire nation methodically reducing its supply of fingernails, it was a sturdy veteran midfielder, Casemiro, who strolled up from his position deep in midfield and did the job himself.”Gail: That’s great.Bret: Or this beauty, from Rory Smith, about the Dutch goalkeeper Andries Noppert: “His own interpretation of his unusual career arc — the long, slow burn, followed by the sudden and unexpected ignition — is that his progress was slowed not only by a succession of injuries but by his own failure to grasp his talent.”Gail: I always love the way you quote our terrific writers.Bret: If you don’t want to watch the games, Gail, just read our coverage. It will provide relief from, well, everything.The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.Follow The New York Times Opinion section on Facebook, Twitter (@NYTopinion) and Instagram. More

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      As Midterms Near, Biden Warns Republicans Seek to Dismantle Democratic Legislation

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      The president told MSNBC that G.O.P. lawmakers could undo Democrats’ legislative victories if they regained control of Congress.WASHINGTON — President Biden warned on Friday that Republicans could upend legislative victories achieved under his administration and a Democratic Congress if the G.O.P. were to win control of Congress in November’s midterm elections.“They don’t have a platform other than to tear down what I’ve been able to do, we’ve been able to do.” Mr. Biden told an MSNBC news anchor, according to NBC News. “And I don’t know what they’re for.”He also vowed to veto a federal abortion ban if Republicans regain majorities of Congress and seek to pass such legislation. G.O.P. candidates have sought to avoid the subject as polls show a majority of voters support abortion rights.“The president has to sign it. I’ll veto it,” he said.Democrats pulled out a recent series of legislative victories heading into campaign season, after passing sweeping health, climate and tax legislation earlier this year. Those include an infusion of funding into America’s semiconductor industry to counter China and expanded medical benefits for veterans who were exposed to toxins from burn pits on military bases and a gun safety package.“These last several weeks all I’m doing is saying here’s what we’re for, here’s what they’re for and make a choice and vote,” Biden said in the interview with the MSNBC journalist Jonathan Capehart. “And I think people are going to show up and vote like they did last time.”The State of the 2022 Midterm ElectionsBoth parties are making their final pitches ahead of the Nov. 8 election.Where the Election Stands: As Republicans appear to be gaining an edge with swing voters in the final weeks of the contest for control of Congress, here’s a look at the state of the races for the House and Senate.Biden’s Low Profile: President Biden’s decision not to attend big campaign rallies reflects a low approval rating that makes him unwelcome in some congressional districts and states.What Young Voters Think: Twelve Americans under 30, all living in swing states, told The Times about their political priorities, ranging from the highly personal to the universal.In Minnesota: The race for attorney general in the light-blue state offers a pure test of which issue is likely to be more politically decisive: abortion rights or crime.Most recently, Mr. Biden vowed to wipe out up to $20,000 in student loan debt, which he touted on the campaign trail on Friday, noting that the program has received 22 million applications since it opened last week.But that plan was dealt a blow with a ruling by an appeals court Friday on a case brought by several Republican-led states. And a number of Republicans in Congress have targeted some of the administration’s key legislative measures..css-1v2n82w{max-width:600px;width:calc(100% – 40px);margin-top:20px;margin-bottom:25px;height:auto;margin-left:auto;margin-right:auto;font-family:nyt-franklin;color:var(–color-content-secondary,#363636);}@media only screen and (max-width:480px){.css-1v2n82w{margin-left:20px;margin-right:20px;}}@media only screen and (min-width:1024px){.css-1v2n82w{width:600px;}}.css-161d8zr{width:40px;margin-bottom:18px;text-align:left;margin-left:0;color:var(–color-content-primary,#121212);border:1px solid var(–color-content-primary,#121212);}@media only screen and (max-width:480px){.css-161d8zr{width:30px;margin-bottom:15px;}}.css-tjtq43{line-height:25px;}@media only screen and (max-width:480px){.css-tjtq43{line-height:24px;}}.css-x1k33h{font-family:nyt-cheltenham;font-size:19px;font-weight:700;line-height:25px;}.css-1hvpcve{font-size:17px;font-weight:300;line-height:25px;}.css-1hvpcve em{font-style:italic;}.css-1hvpcve strong{font-weight:bold;}.css-1hvpcve a{font-weight:500;color:var(–color-content-secondary,#363636);}.css-1c013uz{margin-top:18px;margin-bottom:22px;}@media only screen and (max-width:480px){.css-1c013uz{font-size:14px;margin-top:15px;margin-bottom:20px;}}.css-1c013uz a{color:var(–color-signal-editorial,#326891);-webkit-text-decoration:underline;text-decoration:underline;font-weight:500;font-size:16px;}@media only screen and (max-width:480px){.css-1c013uz a{font-size:13px;}}.css-1c013uz a:hover{-webkit-text-decoration:none;text-decoration:none;}How Times reporters cover politics. We rely on our journalists to be independent observers. So while Times staff members may vote, they are not allowed to endorse or campaign for candidates or political causes. This includes participating in marches or rallies in support of a movement or giving money to, or raising money for, any political candidate or election cause.Learn more about our process.Several House Republicans, including the top G.O.P. member of the committee that oversees entitlement programs such as Medicare and Medicaid, said they would back repealing the law that reduced prescription drug costs for seniors if their party took control of the House in November.Mr. Biden has previously warned that Republicans pose a threat to Social Security and Medicare, as Democrats paint the fate of America’s social safety net programs as a central campaign issue. He has also promised to continue to push forward on Democratic priorities in the next two years, like codifying abortion rights, strengthening gun control laws and instituting police reform, all measures that would be nonstarters with Republican majorities in the House and Senate.“What do you think they’re going to do?” Mr. Biden said at an event last month, criticizing a plan drafted by Senator Rick Scott, Republican of Florida, that would allow Social Security and Medicare to “sunset” if Congress did not extend the programs with new legislation.In his MSNBC interview, Mr. Biden dismissed polls that showed that the majority of voters disproved of his handling of the economy. A recent New York Times/Siena College poll found Republicans have an edge among likely voters going into November, with many voters citing worries about the economy, an issue on which Republican candidates have heavily campaigned.Mr. Biden has kept a low profile on the campaign trail, choosing to avoid rallies and instead touting his legislative victories in smaller events. He reiterated on Friday to MSNBC that he intends to seek re-election in 2024, though he said he had not made a formal decision. More

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      Democrats Are Starting to Feel Hopeful About the Midterms. Should They?

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      Illustration by The New York Times; images by Olivier Douliery, Anna Moneymaker and Andrii Shyp, via Getty ImagesThis article is part of the Debatable newsletter. You can sign up here to receive it on Wednesdays.Just a couple of months ago, Democrats’ prospects heading into the November elections looked, if not quite doomed, then decidedly dour: Not only do Americans tend to swing against the president’s party in the midterms, but President Biden was also presiding over the worst spate of inflation in four decades and his approval ratings over the summer had plunged to the lowest of any elected president at that point in his term since the end of World War II, according to FiveThirtyEight.But the national political environment has changed: Since July, Biden’s approval rating has risen by five percentage points and Democrats have gained around a net three percentage points in the generic ballot, which asks whether voters would prefer Democrats or Republicans to control Congress, overtaking the Republican Party’s lead.What are some of the issues that voters care most about, and how might the parties’ recent rhetorical and legislative handling of them be driving the race? Here’s what people are saying.AbortionWhen the Supreme Court overturned Roe v. Wade in June, there was a great deal of speculation among poll watchers and pundits about whether the abrogation of the constitutional right to abortion would redound to the Democratic Party’s benefit, potentially boosting turnout and swinging independents who might otherwise vote for Republicans.Shortly before the decision was handed down, but weeks after a draft of it had been leaked, the Times columnist Michelle Goldberg didn’t find much evidence to support this theory: “I don’t know that I’ve seen a new influx of energy,” Samhita Mukhopadhyay, the co-editor of “Nasty Women: Feminism, Resistance and Revolution in Trump’s America” and the former executive editor of Teen Vogue, told her. “It’s surprising. There were marches, but it wasn’t the level of activism that we saw a couple of years ago with Black Lives Matter or even the Women’s March.”In the months since, though, there have been signs that the curtailment of abortion rights has moved the needle: In an August poll, Gallup found that abortion had climbed on Americans’ list of “most important problems” facing the country, ranking behind only economic concerns and more general issues of government and leadership. What’s more, according to a Times analysis, Roe’s overturning was followed by a surge in voter registration among women in 10 states with available data, including Kansas, where strong turnout in an August primary helped defeat a referendum that would have effectively ended abortion rights in the state.Because most Americans favor at least some abortion rights, many Republicans have tried to avoid making abortion a central campaign issue, emphasizing instead that the matter has been returned to the states. But that rhetorical posture became much harder to maintain last week, when Senator Lindsey Graham, Republican of South Carolina, proposed a federal ban on the procedure after 15 weeks of pregnancy — “to cringes from many of his Republican colleagues,” The Times’s Carl Hulse reported.In the view of The Wall Street Journal’s editorial board, renationalizing the question of abortion regulation could be a risky political gamble for Republicans: “By Mr. Graham’s political logic, if voters in Colorado, Pennsylvania or Arizona think 15 weeks is too restrictive, they now have a reason to vote against those G.O.P. Senate candidates. Every Republican candidate will be asked to take a stance, and a Senate majority is made by swing states.”InflationPoll after poll after poll has found that inflation remains voters’ top concern heading into November. And while July’s Consumer Price Index report suggested that inflation had peaked, the August report suggested that it was not cooling as quickly as the White House and many economists had forecast. The price of rent and some food items actually increased between July and August, and workers lost buying power over the last year as prices increased faster than wages.These would be problems for any party in power during an election year, much less one whose leader has boasted of delivering wage gains. “Citizens of countries suffering from inflation have routinely sought to assign blame — to the government, to greedy companies or to politicians,” The Times’s Jonathan Weisman wrote last week of the Republican campaign strategy to blame Democrats for inflation. “Inflationary periods often yield labor strife, as workers and unions press for wage increases to keep up with rising prices, point fingers at ‘price-gouging’ companies and, more than anything, rage at those in power.”At the same time, some Republican officials have become concerned that inflation may no longer be the electoral clincher they had hoped for: Gasoline prices have fallen 26 percent from the record above $5 a gallon set in June, and consumer sentiment has improved as a result. The Federal Reserve Bank of New York reported this month that consumer inflation expectations were also falling, with households now expecting gas prices to be roughly unchanged a year from now.If inflation is indeed sinking in salience, some conservatives believe that Republicans will regret not elevating other issues like school curriculums, crime and immigration, Gabby Orr reported for CNN. “Our closing pitch must be compelling enough to make Republicans want to vote,” a Senate campaign aide told her. “‘It’s the economy, stupid’ no longer fits into that category.”Student debt reliefWhen Biden made the decision in August after months of lobbying to wipe out up to $20,000 of student loan debt for tens of millions of low- and middle-income Americans, it was in part because his chief of staff, among others, had argued that the relief could endear the administration to younger voters — an age group that, while more Democratic-leaning than any other, had broadly soured on the president.“It certainly energizes young people and people with student loan debt, which also includes many Republicans,” Andre Perry, a senior fellow at Brookings, told NPR. “Overall, it’s a political win for Biden because he’s delivering on his promises, he has a chance to pick up on some moderate Republicans who have debt.”This read of Biden’s debt jubilee is shared even by some of his political enemies:But Philip Bump wrote for The Washington Post that, so far, there are no obvious signs that young people will reward Biden for the relief plan, which hasn’t yet taken effect. In approval rating polls since August, “when we look at Americans under 30 — the group with the most debt — there’s been little to no movement at all,” he noted.Nor, as Vox’s Christian Paz pointed out, does the relief plan seem to be making much of an impression with independent voters, who polls have suggested are divided on the issue. “Ultimately, the policy might have had the effect of stopping the bleeding of support that Biden and Democrats were experiencing among their base,” he wrote. But, he added, “What is apparent is that Biden’s action is not as popular with the kind of voter that tends to matter in midterm elections in swing states: older white Americans and independents.”The polling wild cardThe polling profession entered something of a legitimacy crisis after the 2016 presidential election that only deepened in 2020, as this newsletter has explored, and there’s good reason to be wary of the polling data we’ve seen so far in 2022: As Nate Cohn, The Times’s chief political analyst, noted last week, Democratic Senate candidates are outrunning expectations in the same places where the polls overestimated Biden in 2020 and Hillary Clinton in 2016, raising the possibility that the party’s supposedly favorable odds of retaining Senate control are an illusion.Polling mistakes matter not just because they can give pundits and readers a false impression of how an election might turn out; as Dan Pfeiffer, a senior adviser to Barack Obama, wrote in his newsletter last weekend, they can also change the outcome of the election itself, because campaigns, national party committees and super PACs rely on polling to make decisions about where to direct their efforts and funds.But Pfeiffer (and Cohn, too) sees evidence that the polls might actually be right this time around: Polls were more accurate in the 2018 midterms than they were in the 2020 presidential race, and recent special elections — including one that resulted in the pickup of a House seat in Alaska — have been encouraging for Democrats.Their predictive function (or dysfunction) aside, polls can also be useful for revealing trends in public opinion and voter behavior. In 2016, for example, pre-election polls accurately showed that Donald Trump was making huge gains among white voters without college degrees, and in 2020 they showed that he was also making gains among Hispanic voters. Even when polls miss on the horse race, Cohn noted this week, “these trends uncovered by polls continue to have import.”Do you have a point of view we missed? Email us at debatable@nytimes.com. Please note your name, age and location in your response, which may be included in the next newsletter.READ MORE“Are the Polls Wrong Again?” [The New York Times]“Will Abortion Affect the Midterm Vote for Candidates? Lessons From the Ban Gay Marriage Ballot Initiatives” [The Brookings Institution]“Two Months That Turned the 2022 Midterms on Their Head” [The Cook Political Report]“America’s Dueling Realities on a Key Question: Is the Economy Good or Bad?” [The New York Times]“Four Types of Voters We’re Watching in the Midterms” [The New York Times]What’s at stake for you on Election Day?In the final weeks before the midterm elections, Times Opinion is asking for your help to better understand what motivates each generation to vote. We’ve created a list of some of the biggest problems facing voters right now. Choose the one that matters most to you and tell us why. We plan to publish a selection of responses shortly before Election Day. More

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      Your Tuesday Briefing: Ukraine’s Advance Continues

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      Plus former British colonies weigh their relationship with the monarchy and Lebanon faces blackouts.Russia launched multiple missile strikes yesterday at a Ukrainian police station in Kharkiv.Nicole Tung for The New York TimesUkraine’s advance continuesUkraine reclaimed more ground yesterday and redoubled its calls for Russia to surrender in the south. In the northeast, Moscow acknowledged the loss of almost all of the Kharkiv region. Here’s a map of Russian losses.Russian officials described the retreat as a planned “regrouping operation,” and Moscow does still hold large areas of eastern and southern Ukraine. In apparent retaliation, Russian cruise missiles knocked out power to regions in the east and northeast as forces retreated, but Ukrainians in Kharkiv worked quickly to repair damaged infrastructure.Moscow’s stunning setback calls into question how much territory its once-daunting military can retain, especially amid a growing domestic backlash, which has made its way onto state television. Yesterday, municipal deputies from 18 councils in Moscow and St. Petersburg signed a petition calling on Vladimir Putin to resign. Here are live updates.Details: Ukraine has advanced faster than expected and is moving to consolidate control over the recaptured territory. Ukraine’s military said it pushed into an additional 20 towns and villages in 24 hours and claimed to have recaptured nearly 200 square miles in the southern region of Kherson.What’s next: The prosecutor general’s office in Ukraine is investigating possible war crimes in a recently liberated village near Kharkiv.Allies: Ukraine’s success has encouraged European allies ahead of what is expected to be a hard winter of rising fuel costs. It will most likely increase pressure on NATO members to supply Ukraine with heavier weaponry.In 1982, Queen Elizabeth II visited Tuvalu on a tour of the South Pacific.Tim Graham Photo Library via Getty ImagesFormer colonies mull their futureFrom the Caribbean to the Pacific, the death of Queen Elizabeth II accelerated a push to address the past in several former British colonies.Some countries are holding to the status quo. Yesterday, Jacinda Ardern, the prime minister of New Zealand, said that she thought her country would most likely become a republic in her lifetime. “But I don’t see it as a short-term measure or anything that is on the agenda anytime soon,” Ardern said.The State of the WarDramatic Gains for Ukraine: Ukraine’s lightning offensive in the country’s northeast has allowed Kyiv’s forces to score large battlefield gains against Russia and shift what had become a grinding war.Putin’s Struggles: Russia’s retreat in Ukraine may be weakening President Vladimir V. Putin’s reputation at home, and pro-war bloggers who cheered on the invasion are now openly criticizing him.Southern Counteroffensive: Military operations in the south have been a painstaking battle of river crossings, with pontoon bridges as prime targets for both sides. So far, it is Ukraine that has advanced.Zaporizhzhia Nuclear Plant: After United Nations inspectors visited the Russian-controlled facility last week amid shelling and fears of a looming nuclear disaster, the organization released a report calling for Russia and Ukraine to halt all military activity around the complex.Republicanism is more entrenched in Australia, which has a larger population of Irish descent. There, the queen’s death has created a political maelstrom.Australia’s government suspended Parliament for two weeks to commemorate her death, the BBC reports, a historic protocol. The move prompted blowback, The Sydney Morning Herald reports, among politicians who feared the suspension would delay or weaken integrity reforms promised by Anthony Albanese, the prime minister. Here are live updates about the queen’s death.Context: Fourteen former colonies retain the British sovereign as their head of state.Caribbean: On Saturday, the prime minister of Antigua and Barbuda announced plans to hold a referendum on becoming a republic within three years. Barbados voted to remove the queen as head of state last year.Scotland: New debates arose about the future of the independence movement.England: Anti-monarchists are treading lightly. They see King Charles III as an easier target than his revered mother — but are aware that they risk alienating people during the period of official mourning.“Sometimes I tell myself I’m not going to get sad, but I can’t help it,” said Hasmik Tutunjian, 66. “At night, I get into bed angry, I cry.”Lebanon’s grinding electricity crisisOppressive blackouts have drastically changed the rhythm of life in Lebanon.State-supplied power comes at random times, and for only an hour or two a day. Many residents have had to find coping strategies, my colleague Raja Abdulrahim reports from Beirut. Often, people do laundry and charge devices in the hours after midnight.This profound electricity crisis is a subset of Lebanon’s worst economic crisis in decades, which the World Bank said could rank among the world’s three worst since the mid-1800s in terms of its effect on living standards.The blackouts also underscore the country’s sharp socioeconomic inequalities. Lebanese inflation rose to 168 percent in the year that ended in July, and unemployment is skyrocketing. Now, only a few people can afford diesel-powered backup generators to combat the heat and darkness.Context: Lebanon has long had a dysfunctional electricity sector. But over the past year, acute fuel shortages have worsened power cuts.THE LATEST NEWSAsia and the PacificJacinda Ardern, New Zealand’s prime minister, said it was time to “turn the page” on Covid.Marty Melville/Agence France-Presse — Getty ImagesNew Zealand has removed most of its Covid restrictions, The Guardian reports.Japan may remove some pandemic border controls, the BBC reports.Pakistan is trying to protect a critical power station from floodwaters, Reuters reports. Millions rely on it for electricity.In Thailand, a 25-year-old activist who was said to have dressed up as Queen Suthida was sentenced to two years in prison for insulting the monarchy, Reuters reports.Around the WorldSweden is still counting votes from its Sunday elections. A coalition of right-wing parties narrowly leads the governing center-left bloc.A new analysis showed that child poverty in the U.S. fell by 59 percent from 1993 to 2019, highlighting the role of increased government aid.Wealthy countries snapped up monkeypox vaccines and treatments, leaving few for the rest of the world.What Else Is HappeningCarlos Alcaraz is the youngest man to win a Grand Slam title since Rafael Nadal in 2005.Michelle V. Agins/The New York TimesCarlos Alcaraz, a 19-year-old from Spain, won the U.S. Open men’s title.The Emmy Awards begin at 8 a.m. Hong Kong time, 10 a.m. Sydney time. Kenan Thompson of “Saturday Night Live” is hosting. Here’s how to watch.Scientists have sequenced complete fern genomes for the first time, to learn why the plants have twice as much DNA as humans.A Morning ReadSulfur-crested cockatoos, native to Australia, teach each other to open the bins. Ken Griffiths/AlamyThere’s an innovation arms race raging in the suburbs of Sydney, Australia. The front line: Garbage bins. The factions: humans and sulfur-crested cockatoos.ARTS AND IDEASStudent debt: No longer tabooIn the U.S., federal student loans are a legacy of the Cold War: They were first issued in 1958 in response to the Soviets’ launch of Sputnik. (The government was worried that Americans were falling behind in science.)Now, Americans collectively owe $1.7 trillion in federal student loans, and the cost of college has nearly tripled since 1980, even when adjusted for inflation. Last month, President Biden announced a student debt forgiveness program that could cost taxpayers $300 billion or more.Student debt has become a national dialogue, as more Americans have come to see it as a structural problem, rather than a result of poor personal decisions, and its stigma slips away.It’s even cropping up as a narrative device in contemporary fiction. In The Times, Jennifer Wilson describes the typical loan-crisis novel as “a stymied bildungsroman for a generation who have been robbed of the possibility of becoming, sold a story that would cost them everything.”PLAY, WATCH, EATWhat to CookChristopher Testani for The New York Times. Food Stylist: Monica Pierini.Serve herb-marinated seared tofu over grains.What to WatchIn “The Fabelmans,” the director, Steven Spielberg, is the star. But Michelle Williams steals the show.What to Read“Like a Rolling Stone” is a new memoir from Jann Wenner, the co-founder of Rolling Stone magazine.Now Time to PlayPlay today’s Mini Crossword. And here’s a clue: Unattractive (four letters).Here are today’s Wordle and today’s Spelling Bee.You can find all our puzzles here.That’s it for today’s briefing. See you next time. — AmeliaP.S. The U.S. midterm elections are sure to get confusing. Nate Cohn, The Times’s chief political analyst, will parse polling and politics in “The Tilt,” a new newsletter. Subscribe here.The latest episode of “The Daily” is on Serena Williams.You can reach Amelia and the team at briefing@nytimes.com. More

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      Did Biden Just School the Republicans or His Own Party?

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      Bret Stephens: Hi, Gail. Depending on whom you ask, Joe Biden’s decision to forgive hundreds of billions of dollars in student loans is either the Democrats’ political masterstroke or a major political gift to Republicans. What’s your take?Gail Collins: Well, Bret, allow me to take the middle road. Gee, I really do enjoy saying that. Makes me feel so … judicious.Politically, I think it’s more a winner than not. Tens of millions of people who have college debt in their family are going to be grateful; almost everybody else has other things to focus on. I doubt anybody who started last week liking Joe Biden’s agenda is suddenly going to turn on the Democrats.Bret: I wonder. This just seems to me like yet another case of Democrats getting on the wrong side of working-class America. Most Americans don’t have a bachelor’s degree, sometimes because they couldn’t afford it. Most Americans who did go to college either have paid their loans off or are paying them off. Now they have been turned into chumps for living within their means — while paying, through their taxes, for those who didn’t.Expect Republicans to run on this in the fall the way Democrats are running on abortion rights. What do you think of the decision on the merits?Gail: Policywise, I just wish it had been tied to some serious reforms of the current system that helped create all that debt in the first place.Bret: Agree. One-time student loan forgiveness isn’t going to get educational costs under control. If anything, it will create a moral hazard in which people take out student loans they may not be able to afford in the expectation of future loan forgiveness. What’s your reform proposal?Gail: First and foremost, a deep dive into for-profit schools. Many of them are total scams, and even the ones that aren’t often charge more for programs people can get elsewhere.Bret: I’d add that there are plenty of nonprofit schools also charging way too much for dubious degrees.Gail: After that, a serious look at overall price tags. The fact that loans are so easy to get has encouraged even very fine schools to charge too-high tuition in order to get money for programs that feed the ego of the administration more than the quality of the education.And then … well, hey. Your turn.Bret: It wouldn’t hurt, either, if colleges and universities started cutting down sharply on the army of administrators they’ve hired in recent years, who contribute a lot to fiscal and bureaucratic bloat and therefore to overall costs.Gail: Watch out, administrators — if Bret and I are in accord, you’ve probably got a problem.Bret: Longer term, we should help steer teenagers away from the idea that four-year college is their one and only ticket to prosperity, status and success. We should shift our funding toward community colleges, vocational schools and a wide range of adult-education programs. I’m also sympathetic to the idea of expanding opportunities for shorter enlistment times for young people who want to join any branch of the armed forces. It could help fund their future education, and it would make them more disciplined students when they do.Gail: While we’re being hard-nosed about what we want students to get out of college, I feel obliged to point out that some of the less practical aspects of higher education can be terrific experiences. I went to graduate school and got a master’s degree in government, which I don’t think has ever once convinced a potential employer I was a superior candidate. But I had a great time, met some fascinating people, including my future husband, and learned a lot.I paid for it through on-campus jobs, some of which you could argue amounted to a kind of public financing. Not saying this should be a universal goal. But when I’m cheerleading for the most practical possible approach to higher education, I feel obliged to toss it in.Bret: True and fair. Liberal-arts education is great when students are engaged and teaching quality is high. Wish that were more often the case.On another subject, Gail, any takeaways from the release of the redacted affidavit on the Mar-a-Lago search?Gail: Have to admit I was disappointed by all those redactions — I was hoping for something that looked a little larger. More dramatic. More specific. More … something. How about you?Bret: Here’s my hunch: Donald Trump has only a vague idea of what’s in all of these documents. The notion that he read through boxes and boxes containing hundreds of documents with classification markings and chose to take these particular items strikes me as … unlikely.Gail: Yeah, I hear he’s currently way too engrossed in rereading the collected works of Tolstoy.Bret: Right. He’s so upset by Anna Karenina’s suicide that he hasn’t been able to focus on anything.What is very much like Trump is that, as soon as the administration sought to recover the boxes, he saw an opportunity to set up a test of strength against Biden — one that would stoke the paranoia of his supporters, rally wavering Republicans to his side and set up the Justice Department to fall on its face barring some spectacular disclosure.So my bottom line is that the Justice Department had better come up with something very damning, not just a charge relating to mishandling classified documents. If it doesn’t, it will be the fourth or fifth time in six years that the F.B.I. has meddled in politics, only to cause irreparable damage to its own reputation.Gail: Congratulations, you’ve flung me into depression. I do agree with you that the story on Trump’s end is less likely a sinister plot than messy grabbiness, perhaps along with a reasonable paranoia that, given the number of things he’s done wrong, there’d be evidence of something bad somewhere.Bret: I’ve always maintained that with Trump, there are no deep, dark secrets: His absolute awfulness always stares you squarely in the face, like a baboon’s backside.Gail: Short term, this saga is just giving ammunition to the right. But I can’t envision a whole lot of people switching their allegiance to Trump because of it.Bret: Not among people who never voted for him. What worries me for now is that he’ll recapture wavering Republicans who were nearly done with him.Gail: Republicans who race to the polls because they’re outraged by the F.B.I.’s Mar-a-Lago adventure are going to be a fraction of the number of folks who’ll want to register their very strong feelings on behalf of abortion rights.Bret: We’ll see.Gail: But let me poke you on another federal agency that conservatives tend to find … problematic. Biden’s Inflation Reduction Act includes about $80 billion to update the I.R.S. I think it’s a great idea, given its current pathetic state. Overworked agents sitting around stapling papers together aren’t going to be able to win a lot of battles with high-end accountants and lawyers protecting their rich clients from an audit.But as I’m sure you know, a lot of Republicans are howling about what the dreaded Ted Cruz calls a “shadow army” of I.R.S. agents. What’s your take?Bret: I recently read that the I.R.S. answers just 10 percent of calls. So if the money goes to making the agency more responsive to distressed taxpayers, I’m fine with it. My worry is that the agency will initiate lots of audits against people who don’t have the benefit of fancy accountants and lawyers and who are at the mercy of an agency that has almost limitless power and not much accountability.Gail, we’re getting to the end of summer, and some of our readers may be looking for a final book recommendation before Labor Day. I know you’re working on a memoir, but are there any books you’d suggest?Gail: The last time we talked books I said I was enjoying the novel “A Gentleman in Moscow.”Now you’re giving me a chance to share a letter I got from a reader, John Burgess, saying he’d put in a request for it at his local library, He continued: “The day I picked it up, my son tested positive for Covid. Now I am sequestered in my house (my son lives with me), reading about a Russian noble who was imprisoned in the Metropol hotel in Moscow in 1922. The setting could hardly be more perfect.”See, you never can tell when a novel you read is going to parachute into your real life.On the nonfiction front, I just happily finished “Thank You for Your Servitude” by our former colleague Mark Leibovich, one of the latest in what looks like a banner year for retrospectives on the Trump presidency.How about you?Bret: I spent part of the summer reading books by friends. I devoured Jamie Kirchick’s riveting “Secret City: The Hidden History of Gay Washington,” a landmark that deserves companion histories for London, Paris and other capitals. I was deeply moved by “When Magic Failed,” the posthumous memoir of Fouad Ajami, with its heartbreaking depictions of village and city life in his native Lebanon.I read an advance copy of Lionel Shriver’s forthcoming nonfiction collection, “Abominations,” appropriately subtitled “Selected Essays From a Career of Courting Self-Destruction,” which should be mandatory reading for college freshmen. And I finally got around, albeit 20 years late, to my old friend Mindy Lewis’s stunning memoir, “Life Inside,” centered on her institutionalization as a teenager in the late 1960s in a psychiatric hospital in New York. It deserves to be reissued in this new era of mental health crisis among younger people.Gail: I knew your summer list would be high quality and longer than mine. I like the idea that my excuse is that I’m writing a book, so there’s not much time for reading. But maybe if I stopped watching “Sopranos” reruns before bed …Bret: Can’t wait for your book. We’ve been revisiting some favorite French farces. Highly recommend “Le Dîner de Cons” and “Le Placard.”Gail: Next week we’ll be off, celebrating Labor Day with our readers, Bret. Then it’s on to September and the midterm election homestretch. Lord knows what’s going to happen, but it’s nice to know that whatever it is, I’ll get to talk about it with you.The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.Follow The New York Times Opinion section on Facebook, Twitter (@NYTopinion) and Instagram. More

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      Not the Win We Wanted, but a Win Nonetheless

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      The Biden administration has finally delivered on its long anticipated student loan cancellation plans. The timing is critical: Midterm elections are around the corner. Just a few weeks ago, the consensus was that the Democratic Party was in trouble. But a series of policy wins has changed that narrative.President Biden’s executive order on student loans is another win.The top-line debt cancellation numbers do not sound impressive at first: Ten thousand dollars will be forgiven for borrowers who earn less than $125,000 or households earning less than $250,000. But the policy has many layers. Taken together, it is a meaningful response that mostly gets the diagnosis for how we got here right.The Student Loan Law Initiative at the University of California, Irvine School of Law and the Higher Education, Race and the Economy Lab analyzed Biden’s executive order. They estimate that around 41 million debt holders will be eligible for some form of student loan forgiveness, and that 25 million of those people will be eligible for up to $20,000 in student loan forgiveness. Twenty million people, including 3.8 million Black borrowers, could have their entire debts canceled.That isn’t full debt cancellation, but it will help a lot of people. And the people it will help most are those who got the rawest deal. That includes the millions of people who have debt but no degree — nearly one-third of all borrowers. It also includes people who took on student loans to pay for occupational degrees in blue-collar trades like cosmetology and mechanics. Republicans are criticizing the policy as giving handouts to the rich. They really want to implant the image of a Harvard liberal arts graduate getting a free pass. But cancellation is squarely targeted at the debt that working-class students have accrued to hold pretty working-class jobs. The G.O.P. will have a hard time telling those voters that this relief has not improved their lives.Other parts of the policy address underlying problems that created the student loan boondoggle. Millions of people have paid their loans as promised, following the official guidance of student loan servicers, only to owe more than when they started with because of interest. This negative amortization made it nearly impossible for some borrowers to pay off their loans. And documented problems with public student loan forgiveness programs meant that this burden often fell heaviest on people with public interest careers, such as public defenders, teachers and social workers. Now, income-driven repayments for undergraduate loans will be capped at 5 percent of the borrower’s take-home income. If you don’t have a lot of discretionary income, that payment could be low — too low to cover interest on the loan. Previously, this gap added up and increased the total amount owed. Under new guidelines, the government will cover that interest as long as the borrower is making payments. This does not get rid of the scourge of negative amortization for all borrowers. But it does two things: It effectively ends it for public interest workers. That lives up to the promise of public service loan forgiveness, which is that it becomes possible for people to do the work that society desperately needs done without living in eternal debt peonage. It also gives us a model for expanding that option for more borrowers in the future. It is a safe bet that student debt cancellation organizers are paying attention to that possibility.The other bit of good news in the details of this proposal is targeted relief for borrowers who were also Pell grant recipients. Pell grants are a bright spot in our higher education financing ecosystem. They help reduce the impact of one of the biggest drivers of inequality in higher education access, affordability and returns: family income. As tuition costs have dramatically increased, Pell has struggled to keep up. Earlier this year, the Biden administration increased the maximum amount of money attached to Pell grants. When you add that increase to this proposal’s targeted cancellation for anyone who currently or at any time in their undergraduate career qualified for Pell, it is a big help for poor families.Class — income and wealth — is how the Biden administration prefers to deal with racial inequalities that stem from student loan debt. Black borrowers come from poorer families who have less income and less wealth to pay their tuition. Those borrowers take on more student loan debt and their families take on more family loans, like the PLUS program, to help them pay for college. This is acute at lower levels of student loan debt, such as the millions of borrowers that will be included in the $10,000 and $20,000 forgiveness amounts. But these racial differences in debt also show up at the top of distributions. Black borrowers take on a lot of debt to be competitive in the labor market, from associate’s degrees to graduate programs. That debt then makes it hard for those borrowers to help their children pay for college. It’s a vicious cycle. This program won’t help those high-earning but negative wealth borrowers much.It also won’t reduce the cost of college, but it was not designed to. The executive branch does not have a lot of tools it can use to address that. What it does have is the big stick of federal student loan programs. It has used that stick in the past to make college more accessible, but at a cost that became too much for many borrowers to bear. The fight for affordability is primarily a state issue. Like abortion rights, public education and public health initiatives, the real battle for the future of higher education will happen at the state level.As for the federal fight, organizers will ask for more cancellations. I believe that they should. And while this recent policy is not total debt cancellation, it is far from where the Biden administration started. It accounts for research on how the student loan crisis became such a crisis in the first place. The administration has reformed target areas where abuses are the most egregious: bad student loan servicing companies and predatory for-profit colleges. The latest analysis from Goldman Sachs projects that inflationary pressures will be mild, at most. Restarting payments offsets a lot of the modeled risk. And this relief comes for poor and working-class families just as they start tuning in to midterm races. It is hard to argue that this is anything but good news for millions of people — and for the Democrats.Sometimes policy helps people, and sometimes those people remember it when it is time to vote. More