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Mr Bernanke said Congress must "address the grave threats to financial stability that we currently face".
On Tuesday politicians expressed strong scepticism about the bail-out following a five-hour Senate hearing on the plan.
Treasury Secretary Henry Paulson had told already the banking panel that delaying the $700bn (Ј382bn) bail-out would put the entire US economy at risk.
But both Democratic and Republican congressmen said they wanted assurances that the plan would benefit ordinary American home-owners as well as Wall Street.
(BBC)
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