Rumor: McCain has formally accepted federal financing for his primary campaign and thus is subject to its limits...

Fact: McCain has secured a loan using his campaign's assets as collateral...but not future funds from the federal match... and has not opted in to the nomination funding system. The FEC has approved million of dollars worth of matching funds, but McCain can't spend them until March and hasn't decided whether he'll need to.

McCain advisers believe that a victory in New Hampshire will ease his money woes considerably...(although the same argument was made in 2000...)

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