Republicans 1, Democrats 0

This elections are hard for me since no one candidate really excites me. Therefore, it is now where I start to watch them closely in order to help me decided which way I vote. Some of you might freak when you read this, but although my values lie with the Republicans their candidates don't always appeal to me. That being said....

McCain has just scored his first check mark in my pros column.

“it is not the duty of government to bail out and reward those who act irresponsibly, whether they are big banks or small borrowers.”

I couldn't agree more.

“Capital markets work best when there is both accountability and transparency,” he said. “In the case of our current crisis, both were lacking.”

Was McCain the subject of an alien abduction? It is refreshing to see someone rational on this issue.

“We must have greater transparency in the lending process so that every borrower knows exactly what he is agreeing to and where every lender is required to meet the highest standards of ethical behavior,”

In other words, let's push for more responsible lending in the future. I agree; many people fall prey of unethical lending practices and it is an industry that should be regulated so customers are not taken advantage of. However, this does not mean customers can borrow irresponsibly hoping the government will bail them out.

“Any assistance for borrowers should be focused solely on homeowners, not people who bought houses for speculative purposes, to rent or as second homes,” he said.

Touche (sorry don't know how to do the accents on the Mac). It goes without saying that I do not agree with the Democratic position on this issue.