What would you ask President Obama?

Tomorrow, President Obama will deliver his State of the Union address at 9:00 p.m. ET. During that speech, he’ll lay out his vision for an America where hard work and responsibility are rewarded, where everyone does their fair share, and where everyone is held accountable for what they do.

There is a range of ways to get involved with this year’s State of the Union address. . . . .

The New York Times

Blacks are about twice as likely as whites to wind up in the more onerous and costly form of consumer bankruptcy as they try to dig out from their debts, a new study has found.

The disparity persisted even when the researchers adjusted for income, homeownership, assets and education. The evidence suggested that lawyers were disproportionately steering blacks into a process that was not as good for them financially, in part because of biases, whether conscious or unconscious.

A Widespread Pattern

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