LAS VEGAS, NV – OCTOBER 24: President Barack Obama (C) walks with (L-R) Jose Bonilla, Lissette Bonilla, and two of their children Margarita Bonilla and Mario Bonilla before Obama spoke on the American Jobs Act October 24, 2011 in Las Vegas, Nevada. Obama also announced a housing initiative to help homeowners with federally guaranteed mortgages refinance their homes. (Photo by Ethan Miller/Getty Images)