In his first speech to Congress, the president scolded lenders, borrowers and policymakers, rekindling the theme of responsibility. Zachary Coile

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• GOP leaders: President's plan is irresponsible

Utility announces plans for a 5-year program to build enough solar projects to generate as much as 500 megawatts of electricity -- the same output as a mid-sized fossil fuel power plant. David R. Baker

• Consumer confidence index hits record low
• Record drop in Dec. home prices | Business Page

California opinion leaders who turned out at a forum on government reforms said their top priority is getting rid of the Legislature's requirement for a two-thirds vote to approve state budgets and taxes. John Wildermuth

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The Hearst Corp. announces an effort to reverse the deepening losses of its San Francisco Chronicle by seeking near-term savings that would include "significant" cuts to staff. Chronicle Staff Report

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The United States will withdraw most of its troops from Iraq by August 2010, 19 months after President Obama's inauguration, administration officials say.

• Applying Iraq's lessons in Afghanistan | World Page

Lew Wolff says he backed out of plans to move the team to Fremont because he was daunted by the opposition from local residents, retailers and employers. Carolyn Jones

• Marin agency told to clean up sewage | State Page
• Slain Pleasanton couple's son arrested | Crime Page