TAILIEUCHUNG - In the Senate of the United States, January 1 (legislative day, December 30, 2012), 2013

Our sample consists of records of actual borrowers, some of whom repaid their personal loans substantially as scheduled and some of whom did not. Since these borrowers had al- ready passed through a selection process at the hands of credit men, the sample cannot be considered completely rep- resentative of the general run of personal loan applicants. The results may suffice to show whether or not credit men should have been more selective than they were, but they do not indicate whether they should have been less selective. There is no way of measuring what proportion of rejected applications would have proved satisfactory if accepted, and it is therefore impossible to. | AUTHENTICATED . GOVERNMENT INFORMATION GPỌ In the Senate of the United States January 1 legislative day December 30 2012 2013. Resolved That the bill from the House of Representatives . 8 entitled An Act to extend certain tax relief provisions enacted in 2001 and 2003 and to provide for expedited consideration of a bill providing for comprehensive tax reform and for other purposes. do pass with the following AMENDMENTS Strike all after the enacting clause and insert the following 1 SECTION 1. SHORT TITLE ETC. 2 a Short Title. This Act may be cited as the 3 American Taxpayer Relief Act of 2012 . 4 b Amendment of 1986 Code. Except as otherwise 5 expressly provided whenever in this Act an amendment or 6 repeal is expressed in terms of an amendment to or repeal 7 of a section or other provision the reference shall be consid- 8 ered to be made to a section or other provision of the Inter- 9 nal Revenue Code of 1986. 2 1 c Table of Contents. The table of contents for 2 this Act is as follows Sec. 1. Short title etc. title I general extensions Sec. 101. Permanent extension and modification of 2001 tax relief. Sec. 102. Permanent extension and modification of 2003 tax relief. Sec. 103. Extension of 2009 tax relief. Sec. 104. Permanent alternative minimum tax relief. title II individual tax extenders Sec. 201. Extension of deduction for certain expenses of elementary and secondary school teachers. Sec. 202. Extension of exclusionfrom gross income of discharge of qualified principal residence indebtedness. Sec. 203. Extension of parity for exclusion from income for employer-provided mass transit and parking benefits. Sec. 204. Extension of mortgage insurance premiums treated as qualified residence interest. Sec. 205. Extension of deduction of State and local general sales taxes. Sec. 206. Extension of special rule for contributions of capital gain real property made for conservation purposes. Sec. 207. Extension of above-the-line deduction for qualified tuition and .

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