The most optimistic estimates foresee shaving two percentage points from joblessness rates.
Major job cuts announced this week add urgency to the bill as it nears a House vote.
Some see the beginning of the end for huge compensation for financial titans. Others say the limits are too weak to bring real change.
Banks will still need to recapitalize and start lending again.
More oversight lies ahead, no matter who's in the Oval Office.
Both candidates back US takeover. But McCain sees some level of privatization; Obama is less specific about what comes next.
The $107 billion stimulus is now flowing to taxpayers, to spend or save as they see fit.