Helemaal met het stuk eens. De change van Obama lijkt toch vooral een hol vat te blijven, dat goed dienst heeft gedaan als campagneslogan.
#2
Cerridwen
Voorbarig en kotzichtig stuk. Voorbarig, omdat nog helemaal niet duidelijk is of de hervormingsagenda faalt. ‘Healthcare’ heeft het moeilijk, zeker, maar de kans dat het lukt is nog altijd groter dan dat het faalt. Hij zit er pas een half jaar, hij heeft nog 3,5 te gaan.
Kortzichtig, omdat 1. vergeten wordt dat Obama tot nu toe best wat bereikt heeft: stimulus, waarin veel geld voor progressieve doelen, het was heel erg veel geld; behoeden van de volkomen meltdown van de economie; krachtig nieuw buitenlands beleid en 2. gedaan wordt alsof een krachtige president (een sterk leider) alles in eigen hand heeft. In werkelijkheid moet verandering door Senaat, waar door obstructie van Republikeinen en beetje lafjes opereren van conservatieve democraten het heel moeilijk is om iets er doorheen te krijgen.
Het gaat niet soepel met de hervormingen van Obama, zeker. Maar dat betekent niet dat hij nu al gefaald heeft, en dat dat aan hem ligt.
#3
parallax
Doe ff normaal zeg. De beste man is NET aan de macht. Dat volk in de VS denkt dat je in 6 maanden, 8 jaar aan wanprestaties kunt wegwerken, los van conjuncturele ontwikkelingen.
#4
Bismarck
Waarom is Mr. Miyagi geen president? Die weet blijkbaar precies hoe het moet.
Het zou inderdaad voorbarig zijn om nu al te spreken van “falend leiderschap” of zelfs een “gefaald presidentschap” zoals ik elders wel eens ben tegengekomen. Maar het is nu ook niet te zeggen dat alles bijzonder soepel gaat daar in Washington. Ondanks Democratische meerderheden in beide huizen van het Congres lijkt het zeer lastig een hervorming van de Amerikaanse gezondheidszorg door te voeren en ondanks een grootse overwinning op zijn opponent is de populariteit van Obama al aanzienlijk gedaald.
Tegelijkertijd is dat niets nieuws. Kijk eens naar de eerste maanden van Bill Clinton zijn presidentschap. Dat is toch ook nog best goed gekomen.
#6
Herman
De reden waarom Mr. Miyagi en andere ‘liberals’ kritisch beginnen te worden op Obama, is niet omdat hij 8 jaar wanbeleid nog niet heeft weggepoetst. Het is veel meer de vraag of hij dat wanbeleid überhaupt gaat wegpoetsen. Qua health care reform lijkt Obama bijvoorbeeld derhalve veel water bij de wijn te doen om de Republikeinen tevreden te stellen, dat er van het hele ambitieuze plan weinig over dreigt te blijven. Dan is de vraag gerechtvaardigd of dit nou die change is waar Obama het zo hard over had.
#7
S’z
Operatie beschadiging, want die Obama die zou el ’s iets kùnnen gaan veranderen. Ceterum zie #2.2.
@6: In zekere zin zit er dus toch wat aan checks en balances in het tweepartijensysteem daar, waardoor een minderheid bepaalde zaken kan tegenhouden. De vraag is dan waarom dat de afgelopen 8 jaar niet heeft gewerkt.
#9
Lammert
@8 Mee eens dat het niet echt goed gewerkt heeft. Maar draai het eens om: hoe zou de wereld er uit hebben gezien als Bush & co helemaal nergens rekening mee hadden hoeven te houden?
De eerste 4 jaar Bush begonnen met de aanslag op het WTC (land in shock), gevolgd door 2 oorlogen. Dan zijn checks and balances “onpatriottisch”. Tijdens zijn tweede termijn heeft hij toch veel minder de republikeinse agenda kunnen doordrukken.
#10
Bismarck
@9: Maar kan Obama dan niet tegenstand tegen de hervorming van de gezondheidszorg tot onpattriotisch verklaren? Als gevolg van de huidige toestand sterven er jaarlijks immers meer Amerikanen dan het aantal slachtoffers van het WTC.
#11
HansR
Volgens mij was daarom de obamameter in het leven geroepen. Wat gebeurt er en houdt hij zijn woord.
Gezeur over of hij is een leider of niet, is republikeins bij uitstek. Het roepen om de grote leider! Rot op. Wat kan hij en wat doet hij. Daar gaat het om.
#12
Rick
@8: De democraten waren wel degelijk in staat zaken tegen te houden, zoals het hervormen van Freddie Mac en Fanny Mae.
The White House released this list of attempts by President Bush to reform Fannie Mae and Freddie Mac since he took office in 2001.
Unfortunately, Congress did not act on the president’s warnings:
** 2001
April: The Administration’s FY02 budget declares that the size of Fannie Mae and Freddie Mac is “a potential problem,” because “financial trouble of a large GSE could cause strong repercussions in financial markets, affecting Federally insured entities and economic activity.”
** 2002
May: The President calls for the disclosure and corporate governance principles contained in his 10-point plan for corporate responsibility to apply to Fannie Mae and Freddie Mac. (OMB Prompt Letter to OFHEO, 5/29/02)
** 2003
January: Freddie Mac announces it has to restate financial results for the previous three years.
February: The Office of Federal Housing Enterprise Oversight (OFHEO) releases a report explaining that “although investors perceive an implicit Federal guarantee of [GSE] obligations,” “the government has provided no explicit legal backing for them.” As a consequence, unexpected problems at a GSE could immediately spread into financial sectors beyond the housing market. (“Systemic Risk: Fannie Mae, Freddie Mac and the Role of OFHEO,” OFHEO Report, 2/4/03)
September: Fannie Mae discloses SEC investigation and acknowledges OFHEO’s review found earnings manipulations.
September: Treasury Secretary John Snow testifies before the House Financial Services Committee to recommend that Congress enact “legislation to create a new Federal agency to regulate and supervise the financial activities of our housing-related government sponsored enterprises” and set prudent and appropriate minimum capital adequacy requirements.
October: Fannie Mae discloses $1.2 billion accounting error.
November: Council of the Economic Advisers (CEA) Chairman Greg Mankiw explains that any “legislation to reform GSE regulation should empower the new regulator with sufficient strength and credibility to reduce systemic risk.” To reduce the potential for systemic instability, the regulator would have “broad authority to set both risk-based and minimum capital standards” and “receivership powers necessary to wind down the affairs of a troubled GSE.” (N. Gregory Mankiw, Remarks At The Conference Of State Bank Supervisors State Banking Summit And Leadership, 11/6/03)
** 2004
February: The President’s FY05 Budget again highlights the risk posed by the explosive growth of the GSEs and their low levels of required capital, and called for creation of a new, world-class regulator: “The Administration has determined that the safety and soundness regulators of the housing GSEs lack sufficient power and stature to meet their responsibilities, and therefore…should be replaced with a new strengthened regulator.” (2005 Budget Analytic Perspectives, pg. 83)
February: CEA Chairman Mankiw cautions Congress to “not take [the financial market’s] strength for granted.” Again, the call from the Administration was to reduce this risk by “ensuring that the housing GSEs are overseen by an effective regulator.” (N. Gregory Mankiw, Op-Ed, “Keeping Fannie And Freddie’s House In Order,” Financial Times, 2/24/04)
June: Deputy Secretary of Treasury Samuel Bodman spotlights the risk posed by the GSEs and called for reform, saying “We do not have a world-class system of supervision of the housing government sponsored enterprises (GSEs), even though the importance of the housing financial system that the GSEs serve demands the best in supervision to ensure the long-term vitality of that system. Therefore, the Administration has called for a new, first class, regulatory supervisor for the three housing GSEs: Fannie Mae, Freddie Mac, and the Federal Home Loan Banking System.” (Samuel Bodman, House Financial Services Subcommittee on Oversight and Investigations Testimony, 6/16/04)
** 2005
April: Treasury Secretary John Snow repeats his call for GSE reform, saying “Events that have transpired since I testified before this Committee in 2003 reinforce concerns over the systemic risks posed by the GSEs and further highlight the need for real GSE reform to ensure that our housing finance system remains a strong and vibrant source of funding for expanding homeownership opportunities in America… Half-measures will only exacerbate the risks to our financial system.” (Secretary John W. Snow, “Testimony Before The U.S. House Financial Services Committee,” 4/13/05)
** 2007
July: Two Bear Stearns hedge funds invested in mortgage securities collapse.
August: President Bush emphatically calls on Congress to pass a reform package for Fannie Mae and Freddie Mac, saying “first things first when it comes to those two institutions. Congress needs to get them reformed, get them streamlined, get them focused, and then I will consider other options.” (President George W. Bush, Press Conference, The White House, 8/9/07)
September: RealtyTrac announces foreclosure filings up 243,000 in August – up 115 percent from the year before.
September: Single-family existing home sales decreases 7.5 percent from the previous month – the lowest level in nine years. Median sale price of existing homes fell six percent from the year before.
December: President Bush again warns Congress of the need to pass legislation reforming GSEs, saying “These institutions provide liquidity in the mortgage market that benefits millions of homeowners, and it is vital they operate safely and operate soundly. So I’ve called on Congress to pass legislation that strengthens independent regulation of the GSEs – and ensures they focus on their important housing mission. The GSE reform bill passed by the House earlier this year is a good start. But the Senate has not acted. And the United States Senate needs to pass this legislation soon.” (President George W. Bush, Discusses Housing, The White House, 12/6/07)
** 2008
January: Bank of America announces it will buy Countrywide.
January: Citigroup announces mortgage portfolio lost $18.1 billion in value.
February: Assistant Secretary David Nason reiterates the urgency of reforms, says “A new regulatory structure for the housing GSEs is essential if these entities are to continue to perform their public mission successfully.” (David Nason, Testimony On Reforming GSE Regulation, Senate Committee On Banking, Housing And Urban Affairs, 2/7/08)
March: Bear Stearns announces it will sell itself to JPMorgan Chase.
March: President Bush calls on Congress to take action and “move forward with reforms on Fannie Mae and Freddie Mac. They need to continue to modernize the FHA, as well as allow State housing agencies to issue tax-free bonds to homeowners to refinance their mortgages.” (President George W. Bush, Remarks To The Economic Club Of New York, New York, NY, 3/14/08)
April: President Bush urges Congress to pass the much needed legislation and “modernize Fannie Mae and Freddie Mac. [There are] constructive things Congress can do that will encourage the housing market to correct quickly by … helping people stay in their homes.” (President George W. Bush, Meeting With Cabinet, the White House, 4/14/08)
May: President Bush issues several pleas to Congress to pass legislation reforming Fannie Mae and Freddie Mac before the situation deteriorates further.
“Americans are concerned about making their mortgage payments and keeping their homes. Yet Congress has failed to pass legislation I have repeatedly requested to modernize the Federal Housing Administration that will help more families stay in their homes, reform Fannie Mae and Freddie Mac to ensure they focus on their housing mission, and allow State housing agencies to issue tax-free bonds to refinance sub-prime loans.” (President George W. Bush, Radio Address, 5/3/08)
“[T]he government ought to be helping creditworthy people stay in their homes. And one way we can do that – and Congress is making progress on this – is the reform of Fannie Mae and Freddie Mac. That reform will come with a strong, independent regulator.” (President George W. Bush, Meeting With The Secretary Of The Treasury, the White House, 5/19/08)
“Congress needs to pass legislation to modernize the Federal Housing Administration, reform Fannie Mae and Freddie Mac to ensure they focus on their housing mission, and allow State housing agencies to issue tax-free bonds to refinance subprime loans.” (President George W. Bush, Radio Address, 5/31/08)
June: As foreclosure rates continued to rise in the first quarter, the President once again asks Congress to take the necessary measures to address this challenge, saying “we need to pass legislation to reform Fannie Mae and Freddie Mac.” (President George W. Bush, Remarks At Swearing In Ceremony For Secretary Of Housing And Urban Development, Washington, D.C., 6/6/08)
July: Congress heeds the President’s call for action and passes reform of Fannie Mae and Freddie Mac as it becomes clear that the institutions are failing.
In 2005– Senator John McCain partnered with three other Senate Republicans to reform the government’s involvement in lending.
Democrats blocked this reform, too.
#13
JSK
@Herman (de stier?): De reden waarom Mr. Miyagi en andere ‘liberals’ kritisch beginnen te worden op Obama
Mr. Miyagi een ‘liberal’? Meen je dit of ben je gewoon een beetje debiel?
@Rick: Doe ff minder linkloze ellelange copy-paste en wat meer eigen woorden, in hoeverre je daar toe in staat bent.
Reacties (13)
Helemaal met het stuk eens. De change van Obama lijkt toch vooral een hol vat te blijven, dat goed dienst heeft gedaan als campagneslogan.
Voorbarig en kotzichtig stuk. Voorbarig, omdat nog helemaal niet duidelijk is of de hervormingsagenda faalt. ‘Healthcare’ heeft het moeilijk, zeker, maar de kans dat het lukt is nog altijd groter dan dat het faalt. Hij zit er pas een half jaar, hij heeft nog 3,5 te gaan.
Kortzichtig, omdat 1. vergeten wordt dat Obama tot nu toe best wat bereikt heeft: stimulus, waarin veel geld voor progressieve doelen, het was heel erg veel geld; behoeden van de volkomen meltdown van de economie; krachtig nieuw buitenlands beleid en 2. gedaan wordt alsof een krachtige president (een sterk leider) alles in eigen hand heeft. In werkelijkheid moet verandering door Senaat, waar door obstructie van Republikeinen en beetje lafjes opereren van conservatieve democraten het heel moeilijk is om iets er doorheen te krijgen.
Het gaat niet soepel met de hervormingen van Obama, zeker. Maar dat betekent niet dat hij nu al gefaald heeft, en dat dat aan hem ligt.
Doe ff normaal zeg. De beste man is NET aan de macht. Dat volk in de VS denkt dat je in 6 maanden, 8 jaar aan wanprestaties kunt wegwerken, los van conjuncturele ontwikkelingen.
Waarom is Mr. Miyagi geen president? Die weet blijkbaar precies hoe het moet.
Het zou inderdaad voorbarig zijn om nu al te spreken van “falend leiderschap” of zelfs een “gefaald presidentschap” zoals ik elders wel eens ben tegengekomen. Maar het is nu ook niet te zeggen dat alles bijzonder soepel gaat daar in Washington. Ondanks Democratische meerderheden in beide huizen van het Congres lijkt het zeer lastig een hervorming van de Amerikaanse gezondheidszorg door te voeren en ondanks een grootse overwinning op zijn opponent is de populariteit van Obama al aanzienlijk gedaald.
Tegelijkertijd is dat niets nieuws. Kijk eens naar de eerste maanden van Bill Clinton zijn presidentschap. Dat is toch ook nog best goed gekomen.
De reden waarom Mr. Miyagi en andere ‘liberals’ kritisch beginnen te worden op Obama, is niet omdat hij 8 jaar wanbeleid nog niet heeft weggepoetst. Het is veel meer de vraag of hij dat wanbeleid überhaupt gaat wegpoetsen. Qua health care reform lijkt Obama bijvoorbeeld derhalve veel water bij de wijn te doen om de Republikeinen tevreden te stellen, dat er van het hele ambitieuze plan weinig over dreigt te blijven. Dan is de vraag gerechtvaardigd of dit nou die change is waar Obama het zo hard over had.
Operatie beschadiging, want die Obama die zou el ’s iets kùnnen gaan veranderen. Ceterum zie #2.2.
Zie ook : http://graphjam.com/2009/06/24/song-chart-memes-coverage-obama/ ;-)
@6: In zekere zin zit er dus toch wat aan checks en balances in het tweepartijensysteem daar, waardoor een minderheid bepaalde zaken kan tegenhouden. De vraag is dan waarom dat de afgelopen 8 jaar niet heeft gewerkt.
@8 Mee eens dat het niet echt goed gewerkt heeft. Maar draai het eens om: hoe zou de wereld er uit hebben gezien als Bush & co helemaal nergens rekening mee hadden hoeven te houden?
De eerste 4 jaar Bush begonnen met de aanslag op het WTC (land in shock), gevolgd door 2 oorlogen. Dan zijn checks and balances “onpatriottisch”. Tijdens zijn tweede termijn heeft hij toch veel minder de republikeinse agenda kunnen doordrukken.
@9: Maar kan Obama dan niet tegenstand tegen de hervorming van de gezondheidszorg tot onpattriotisch verklaren? Als gevolg van de huidige toestand sterven er jaarlijks immers meer Amerikanen dan het aantal slachtoffers van het WTC.
Volgens mij was daarom de obamameter in het leven geroepen. Wat gebeurt er en houdt hij zijn woord.
Gezeur over of hij is een leider of niet, is republikeins bij uitstek. Het roepen om de grote leider! Rot op. Wat kan hij en wat doet hij. Daar gaat het om.
@8: De democraten waren wel degelijk in staat zaken tegen te houden, zoals het hervormen van Freddie Mac en Fanny Mae.
The White House released this list of attempts by President Bush to reform Fannie Mae and Freddie Mac since he took office in 2001.
Unfortunately, Congress did not act on the president’s warnings:
** 2001
April: The Administration’s FY02 budget declares that the size of Fannie Mae and Freddie Mac is “a potential problem,” because “financial trouble of a large GSE could cause strong repercussions in financial markets, affecting Federally insured entities and economic activity.”
** 2002
May: The President calls for the disclosure and corporate governance principles contained in his 10-point plan for corporate responsibility to apply to Fannie Mae and Freddie Mac. (OMB Prompt Letter to OFHEO, 5/29/02)
** 2003
January: Freddie Mac announces it has to restate financial results for the previous three years.
February: The Office of Federal Housing Enterprise Oversight (OFHEO) releases a report explaining that “although investors perceive an implicit Federal guarantee of [GSE] obligations,” “the government has provided no explicit legal backing for them.” As a consequence, unexpected problems at a GSE could immediately spread into financial sectors beyond the housing market. (“Systemic Risk: Fannie Mae, Freddie Mac and the Role of OFHEO,” OFHEO Report, 2/4/03)
September: Fannie Mae discloses SEC investigation and acknowledges OFHEO’s review found earnings manipulations.
September: Treasury Secretary John Snow testifies before the House Financial Services Committee to recommend that Congress enact “legislation to create a new Federal agency to regulate and supervise the financial activities of our housing-related government sponsored enterprises” and set prudent and appropriate minimum capital adequacy requirements.
October: Fannie Mae discloses $1.2 billion accounting error.
November: Council of the Economic Advisers (CEA) Chairman Greg Mankiw explains that any “legislation to reform GSE regulation should empower the new regulator with sufficient strength and credibility to reduce systemic risk.” To reduce the potential for systemic instability, the regulator would have “broad authority to set both risk-based and minimum capital standards” and “receivership powers necessary to wind down the affairs of a troubled GSE.” (N. Gregory Mankiw, Remarks At The Conference Of State Bank Supervisors State Banking Summit And Leadership, 11/6/03)
** 2004
February: The President’s FY05 Budget again highlights the risk posed by the explosive growth of the GSEs and their low levels of required capital, and called for creation of a new, world-class regulator: “The Administration has determined that the safety and soundness regulators of the housing GSEs lack sufficient power and stature to meet their responsibilities, and therefore…should be replaced with a new strengthened regulator.” (2005 Budget Analytic Perspectives, pg. 83)
February: CEA Chairman Mankiw cautions Congress to “not take [the financial market’s] strength for granted.” Again, the call from the Administration was to reduce this risk by “ensuring that the housing GSEs are overseen by an effective regulator.” (N. Gregory Mankiw, Op-Ed, “Keeping Fannie And Freddie’s House In Order,” Financial Times, 2/24/04)
June: Deputy Secretary of Treasury Samuel Bodman spotlights the risk posed by the GSEs and called for reform, saying “We do not have a world-class system of supervision of the housing government sponsored enterprises (GSEs), even though the importance of the housing financial system that the GSEs serve demands the best in supervision to ensure the long-term vitality of that system. Therefore, the Administration has called for a new, first class, regulatory supervisor for the three housing GSEs: Fannie Mae, Freddie Mac, and the Federal Home Loan Banking System.” (Samuel Bodman, House Financial Services Subcommittee on Oversight and Investigations Testimony, 6/16/04)
** 2005
April: Treasury Secretary John Snow repeats his call for GSE reform, saying “Events that have transpired since I testified before this Committee in 2003 reinforce concerns over the systemic risks posed by the GSEs and further highlight the need for real GSE reform to ensure that our housing finance system remains a strong and vibrant source of funding for expanding homeownership opportunities in America… Half-measures will only exacerbate the risks to our financial system.” (Secretary John W. Snow, “Testimony Before The U.S. House Financial Services Committee,” 4/13/05)
** 2007
July: Two Bear Stearns hedge funds invested in mortgage securities collapse.
August: President Bush emphatically calls on Congress to pass a reform package for Fannie Mae and Freddie Mac, saying “first things first when it comes to those two institutions. Congress needs to get them reformed, get them streamlined, get them focused, and then I will consider other options.” (President George W. Bush, Press Conference, The White House, 8/9/07)
September: RealtyTrac announces foreclosure filings up 243,000 in August – up 115 percent from the year before.
September: Single-family existing home sales decreases 7.5 percent from the previous month – the lowest level in nine years. Median sale price of existing homes fell six percent from the year before.
December: President Bush again warns Congress of the need to pass legislation reforming GSEs, saying “These institutions provide liquidity in the mortgage market that benefits millions of homeowners, and it is vital they operate safely and operate soundly. So I’ve called on Congress to pass legislation that strengthens independent regulation of the GSEs – and ensures they focus on their important housing mission. The GSE reform bill passed by the House earlier this year is a good start. But the Senate has not acted. And the United States Senate needs to pass this legislation soon.” (President George W. Bush, Discusses Housing, The White House, 12/6/07)
** 2008
January: Bank of America announces it will buy Countrywide.
January: Citigroup announces mortgage portfolio lost $18.1 billion in value.
February: Assistant Secretary David Nason reiterates the urgency of reforms, says “A new regulatory structure for the housing GSEs is essential if these entities are to continue to perform their public mission successfully.” (David Nason, Testimony On Reforming GSE Regulation, Senate Committee On Banking, Housing And Urban Affairs, 2/7/08)
March: Bear Stearns announces it will sell itself to JPMorgan Chase.
March: President Bush calls on Congress to take action and “move forward with reforms on Fannie Mae and Freddie Mac. They need to continue to modernize the FHA, as well as allow State housing agencies to issue tax-free bonds to homeowners to refinance their mortgages.” (President George W. Bush, Remarks To The Economic Club Of New York, New York, NY, 3/14/08)
April: President Bush urges Congress to pass the much needed legislation and “modernize Fannie Mae and Freddie Mac. [There are] constructive things Congress can do that will encourage the housing market to correct quickly by … helping people stay in their homes.” (President George W. Bush, Meeting With Cabinet, the White House, 4/14/08)
May: President Bush issues several pleas to Congress to pass legislation reforming Fannie Mae and Freddie Mac before the situation deteriorates further.
“Americans are concerned about making their mortgage payments and keeping their homes. Yet Congress has failed to pass legislation I have repeatedly requested to modernize the Federal Housing Administration that will help more families stay in their homes, reform Fannie Mae and Freddie Mac to ensure they focus on their housing mission, and allow State housing agencies to issue tax-free bonds to refinance sub-prime loans.” (President George W. Bush, Radio Address, 5/3/08)
“[T]he government ought to be helping creditworthy people stay in their homes. And one way we can do that – and Congress is making progress on this – is the reform of Fannie Mae and Freddie Mac. That reform will come with a strong, independent regulator.” (President George W. Bush, Meeting With The Secretary Of The Treasury, the White House, 5/19/08)
“Congress needs to pass legislation to modernize the Federal Housing Administration, reform Fannie Mae and Freddie Mac to ensure they focus on their housing mission, and allow State housing agencies to issue tax-free bonds to refinance subprime loans.” (President George W. Bush, Radio Address, 5/31/08)
June: As foreclosure rates continued to rise in the first quarter, the President once again asks Congress to take the necessary measures to address this challenge, saying “we need to pass legislation to reform Fannie Mae and Freddie Mac.” (President George W. Bush, Remarks At Swearing In Ceremony For Secretary Of Housing And Urban Development, Washington, D.C., 6/6/08)
July: Congress heeds the President’s call for action and passes reform of Fannie Mae and Freddie Mac as it becomes clear that the institutions are failing.
In 2005– Senator John McCain partnered with three other Senate Republicans to reform the government’s involvement in lending.
Democrats blocked this reform, too.
@Herman (de stier?):
De reden waarom Mr. Miyagi en andere ‘liberals’ kritisch beginnen te worden op Obama
Mr. Miyagi een ‘liberal’? Meen je dit of ben je gewoon een beetje debiel?
@Rick: Doe ff minder linkloze ellelange copy-paste en wat meer eigen woorden, in hoeverre je daar toe in staat bent.