Rubio captured the fundamental flaw in the so-called Affordable Care Act: it makes health insurance more expensive, in turn making hiring more expensive, and our health-care entitlements more expensive.

FORBES: Marco Rubio's Impressive Response to Obama's State of the Union Address

As Peter Wallison explained in his dissent to the Financial Crisis Inquiry Commission Report, the fundamental cause of the financial crisis was U.S. government affordable housing policy, enforced by federal regulation.

FORBES: Media Parrot Obama Financial Crisis Campaign Propaganda