The difference between the two is the little blurb at the end. My name is John McCain and I approve this message. Maybe I missed it, but I didn't see Obama at Rev Wright's flake out approving that message.

I have a health care spending account, which McCain wants to tax. I also have to pay for my benefits - pretax now. I really don't want to have to pay taxes on that income. It's bad enough spending $400/month on benefits, but then having to pay taxes on that additional $4800 will put me in a higher tax bracket.. No thanks!