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Romney's claim is further complicated because he would negate one big money-saver in the law, the $716 billion in Medicare spending cuts he promises to restore.

He's also made selective use of forecasts about how many people will continue to have job-based health insurance. The Congressional Budget office "says up to 20 million people will lose their insurance as Obamacare goes into effect," he stated in the last debate.

If he makes that claim again, consider that he was citing the worst-case scenario among four sketched by the budget office. Its best-case scenario was that 3 million people actually might gain coverage at work. And the estimates concern employer-provided insurance, not how many people are insured overall. Those who might lose their plans at work have other options under the law, although employer coverage would remain the mainstay for Americans age 64 and younger.
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• "Unlike President Obama, I will not raise taxes on the middle class." Obama actually has a substantial record of cutting middle-class taxes. He's raised the federal cigarette tax, and his health care law imposes fines for not getting health insurance, which the Supreme Court ruled constitutes a tax. On the other hand, he's reduced taxes for many more middle-income families. The 2009 stimulus package included a series of tax cuts for middle- and low-income people, including a tax credit worth up to $800 that year and again in 2010. A temporary reduction in the Social Security payroll tax for 2011 and 2012 was worth $1,000 a year to a worker earning $50,000.
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• "I will roll back President Obama's deep and arbitrary cuts to our national defense that would devastate our military." Romney often pins sole blame on Obama for "arbitrary" defense spending cuts but they actually come from a White House deal with congressional Republicans, including his GOP vice presidential running mate, Rep. Paul Ryan.

The first round of cuts in projected defense spending is the result of a bipartisan deal in August 2011 between Congress and the White House to wrestle down the deficit. Unless a new budget deal is reached in time, additional spending cuts will begin in January across government, and the cost to the Pentagon would be $500 billion over a decade. Lawmakers are working to avoid that. Separately, Obama wants to slow the growth of military spending, now that the war in Iraq is ended and the war in Afghanistan is drawing to a close.

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