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    <note>The President spoke at 4:04 p.m. in the State Dining Room at the White House. In his remarks, he referred to Jo Ann Jenkins, chief executive officer, AARP. He also referred to his sister Valerie Biden Owens and brothers James B. and Francis W. Biden.</note>
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         <topic>Business competition and pricing, improvement efforts</topic>
         <topic>Economic improvement</topic>
         <topic>Federal Trade Commission</topic>
         <topic>Financial regulations, strengthening efforts</topic>
         <topic>Household income and wages</topic>
         <topic>Junk fees imposed on consumers, prevention efforts</topic>
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         <notes>The President spoke at 4:04 p.m. in the State Dining Room at the White House. In his remarks, he referred to Jo Ann Jenkins, chief executive officer, AARP. He also referred to his sister Valerie Biden Owens and brothers James B. and Francis W. Biden.</notes>
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