Obama says more than 2 million people are saving about $3,000 a year after restructuring their loans under his administration but that more deserve the same chance.

In his weekly radio and Internet address, Obama also calls on the Senate to confirm "without delay" his choice of Democratic Rep. Mel Watt to lead the Federal Housing Finance Agency, which oversees government-controlled mortgage lenders Fannie Mae and Freddie Mac.

Obama says the North Carolina congressman helped enact rules to protect consumers from dishonest lenders.

In the Republican address, Alabama Rep. Martha Roby discusses legislation passed by the GOP-controlled House to give private-sector workers the right to trade overtime pay for additional time off.

___

Online:

Obama's address: www.whitehouse.gov

Republican address: www.youtube.com/HouseConference

WASHINGTON (Reuters) - The proliferation of hacking tools known as zero-day exploits is raising concerns at the highest levels in Washington, even as U.S. agencies and defense contractors have become the biggest buyers of such products.

White House cybersecurity policy coordinator Michael Daniel said the trend was "very worrisome to us."

Asked if U.S. government buying in the offensive market was adding to the problem, Daniel said more study was needed. "There is a lot more work to be done in that space to look at the economic questions...so we can do a better job on the cost-benefit analysis," he said.

Some security experts say the government's purchasing power could help instead of hurt. They argue the U.S. government should bring the market into the open by announcing it will pay top dollar for zero-days and then disclosing all vulnerabilities to the companies concerned and their customers.

"Given that people are now buying vulnerabilities, the U.S. should simply announce that it is cornering the market, that they will pay 10 times anyone else," said Dan Geer, chief information security officer at In-Q-Tel, the U.S. intelligence community's venture capital firm. He said he was speaking outside of his official capacity.

Richard Clarke, who served as counter-terrorism chief in the White House before becoming a cybersecurity advisor there a decade ago, said the government should at least review the exploits it has and disclose the vast majority.

"In some rare cases, perhaps the government could briefly withhold that information in order to run a high-priority collection mission," he said. "Even then, however, the government should closely monitor to see if anyone else has discovered the vulnerability and begun to use it."

Howard Schmidt, who served as White House cybersecurity czar under Obama, said he agreed with Clarke's approach. Asked if he had made the same argument during his recent two and a half years in the White House, he said he couldn't betray confidences by going into detail.

But Schmidt added: "The entire discussion on cascading effects and the sort of unintended consequences of any type of malware was had more than once...That's the discussion that needs to continue to take place."

(Reporting by Joseph Menn; Editing by Jonathan Weber and Claudia Parsons)

In this time of a growing Hispanic demographic, corporate focus on ROI, and an increasingly competitive market, Thought Leadership is vital for Hispanic marketers to succeed. Through a series of research studies, webinars and strategic partnerships with the best market research companies, AHAA is leading the charge to help educate marketers on the increased need to segment properly for higher ROI and not treat the vast Hispanic market as a "one size fits all."

The study, underwritten by AARP, used Scarborough USA+ (2012) to measure product usage and Doublebase GfK MRI (2012) to measure attitudes and conducted a broad field study that tied the findings to key cultural metrics.

Generational buying patterns and behaviors reveal new opportunities

There have been significant demographic changes since 1980. Sixty percent of all Hispanics are U.S. born, and there are record numbers of multigenerational and multiracial households in the U.S. Coupled with linguistic and cultural differences among Hispanics and the expansion of online and social media, marketers are faced with new challenges and need to take greater measures to understand the differences among Hispanics.

The AHAA Generational Study delved into how generational segments behaved towards several aspects of Latino and Anglo cultures, such as food, music, language, media usage, and celebrations among others, and how the variations play a role in different category buyers when contrasted by generational segment. AHAA found that the cultural orientation of different category buyers often varies, widely suggesting that marketers that leverage relevant cultural cues to its target audience by generational segments can create a greater competitive advantage than those who treat all Hispanics (from Boomers to Millennials) as one monolithic segment.

Specifically, the study points out that there are huge opportunities for marketers in key categories where Hispanics are more likely to be its buyers.

Here are six major areas that sum up the findings:

Additionally, Latino Generational segments differ from each other in buying patterns, partly based on Generational macro-trends, as well as socio-economic and lifestage priorities.

Culture is a common bond

U.S. Hispanics do not live in one culture, but two the question is, which one? And what aspects of each culture are they embracing? It is important to differentiate between acculturation and cultural orientation: acculturation measures demographic variables such as language use, birthplace and media consumption, while cultural orientation measures cultural dimensions such as food, music and values. While measuring cultural orientation helps describe how Hispanics are culturally similar or different to each other and to non-Hispanics, understanding cultural orientation is what helps marketers tailor their messaging effectively because it uncovers aspects of culture, which Hispanics have shown an affinity for.

The AHAA Generational Study revealed that Hispanic cultural duality across all Hispanic generations appears well balanced, but younger Millennials have a higher Anglo cultural orientation than the other Hispanic generations. Marketers must acknowledge not only the changing demographic landscape, but the "cultural duality" the affinity toward two cultures among Hispanics.

This means that marketers with specific opportunities skewing towards a certain generational segment may want to investigate the specific needs and the cultural orientation nuances of their particular target. As millions of Latinos expand across all lifestages, more specific category opportunities abound, oftentimes requiring a mix of broader strategies and tactics.

Conclusion

As part of the AHAA's Thought Leadership strategy, the Generational Study findings pave the way for deeper analysis by marketers for their specific categories and should be used as a starting point. All three Hispanic generations have significant Hispanic values in their DNA, even though they have varying degrees of Anglo orientation. This suggests that great skill will be required to effectively reach them, as well as structure persuasive messaging. Understanding the differences and similarities of each segment can be used to plan how to reach them with broad reach media as well as more targeted ways to deepen engagement. Understanding the generational and cultural orientation differences can help define targeting priorities for product and service marketers.

For more information on this study, please visit .

About AHAA: Headquartered in McLean, VA, AHAA: The Voice of Hispanic Marketing represents the best minds and resources dedicated to Hispanic-specialized marketing. Companies trying to reach and connect with Hispanic consumers turn to AHAA members for unmatched cultural expertise and knowledge. As the voice of the Hispanic marketing industry since its founding in 1996, AHAA demonstrates the value of targeting Hispanics, showcases the impact of using AHAA member agencies, and provides forums for the discussion and dialogue between brands and industry professionals.

About AARP:AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare, employment and income security, retirement planning, affordable utilities and protection from financial abuse. We advocate for individuals in the marketplace by selecting products and services of high quality and value to carry the AARP name as well as help our members obtain discounts on a wide range of products, travel, and services. A trusted source for lifestyle tips, news and educational information, AARP produces AARP The Magazine, the world's largest circulation magazine; AARP Bulletin;; AARP TV & Radio; AARP Books; and AARP en Espaol, a Spanish language news source. AARP does not endorse candidates for public office or make contributions to political campaigns or candidates. The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at.

SOURCE AHAA: The Voice of Hispanic Marketing

‘’ community food packaging event, Sunday, June 2, 2013, at the Brevard Community College Gymnasium.

The Children’s Hunger Project, Second Harvest Food Bank, the United Way of Brevard and the Brevard Hunger Alliance, along with ‘Face of Change’ will work together to “help the needy families of Brevard County,” said Dr. Ross Clevens, MD, FACS, Clevens Center for Facial Cosmetic Surgery.

“We believe no child in Brevard should be hungry,” says Bob Barnes of the Children’s Hunger Project. “The need is real, and with our community’s help, we have the ability to make a difference."

Alarming stats show that 2 out of 5 kids in Brevard County live in households that struggle to put food on the table; 43,000 Brevard school kids (45%) received free and reduced price lunches in 2012 (compared to 22% of U.S. school children overall).

The initial idea for the meal packaging initiative was created after Dr. Ross Clevens, who frequently travels abroad on medical mission trips to perform surgical procedures with Outreach Africa International, realized that there was as much of a need for ‘nutritionally sound meals’ in those regions, as there was for health care.

Subsequently, Clevens incepted ‘Face of Change,’ and the first meal packaging event was held in January of 2011, with‘nutritionally complete’ meals shipped via the United Nations, to Tanzania, Africa, to aid starving women and children.

Last October, a record 750 volunteers joined Dr. Clevens, his staff, and family tofor children and families in Brevard County.With that, nearly 1,000 pounds of food was donated to the Women's Center, The Children's Hunger Project, and The Second Harvest Food Bank. Since that first event, more than 400,000 meals have been packaged by the ‘Face of Change’ organization.

For more information on the upcoming ‘Face of Change’ Food Packaging Event, contact Jodie Hernandez at 321-727-3223, or jodieh(at)drclevens(dot)com.

Jodie Hernandez, Marketing ManagerClevens Center for Facial Cosmetic Surgery321.727.3223