Article Photos: A checklist to see whether debt reduction is real 1/2

  Federal Reserve Chairman Ben Bernanke addresses a luncheon gathering of The Economic Club of New York, in New York, Tuesday, Nov. 20, 2012. Bernanke on Tuesday urged Congress and the Obama administration to strike a budget deal to avert tax increases and spending cuts that could trigger a recession next year. Without a deal, the measures known as the "fiscal cliff" will take effect in January. (AP Photo/Richard Drew)