WASHINGTON (AP) - President Bush asked lawmakers to secure the tax agenda of his first three years in office and stop tax reductions for workers, married couples, parents and students from evaporating at the end of the decade.

In the 2005 budget, formally delivered to Congress on Monday, the president asked for few new tax cuts. Instead, he urged lawmakers to cement already enacted tax reductions, reconsider his ideas for encouraging saving and finish a long list of pending tax bills.

"There's a lot of unfinished business assembled here," said Lindy Paull, former head of the congressional Joint Committee on Taxation, now a partner at PricewaterhouseCoopers.

All the tax changes taken together would cost $1.1 trillion through 2014. It includes tax breaks for individuals buying health insurance and long-term care insurance, teachers buying classroom supplies, workers who telecommute from their homes.

The most costly proposal asks lawmakers to stop recent tax cuts from expiring in 2010, an item that absorbs nearly 85 percent of the cost for all changes at $936 billion.

Another major change, proposed in a similar form last year, would allow individuals to save as much as $5,000 every year in each of two tax-free investment accounts, one dedicated to retirement and the other without restrictions. A working, married couple could save as much as $20,000 in the accounts each year.

"We'd like to see as many advertisements for lifetime savings accounts as we do for lipstick and light beer," said Assistant Treasury Secretary Pamela Olson.

The two accounts are part of a general effort to simplify rules for savings accounts and credits. Bush would also consolidate a myriad of retirement accounts offered by employers into one. A variety of credits and deductions for education accounts would be reduced to two. Rules used by parents to figure child tax credits and deductions would be streamlined.

To further encourage savings, lower income taxpayers would be encouraged to save through individual development accounts, which offer a dollar-for-dollar government savings match up to $500. Companies that convert traditional pension plans into employee savings accounts would be penalized for harming older workers. For five years after the conversion, the accounts would have to be at least as valuable as the benefits an employee could have expected from the pension.

All of the ideas must pass muster in Congress before becoming law.

The savings proposals met immediate resistance among Democrats and even a few Republicans, despite a change from last year that reduced the annual contribution limit for each to $5,000 from $7,500.

"Instead of providing more savings tools for those who are already saving, I would rather focus on ways we can help those who otherwise can't afford to save to do so," said Montana Sen. Max Baucus, the top Democrat on the Senate Finance Committee.

Ohio Republican Rob Portman cheered the retirement savings accounts but faulted the lifetime savings accounts for promoting only short-term saving. "I believe there is a greater need to promote long-term savings," he said.

Congress has already spent months chewing on a number of the tax ideas restated in this year's budget, including tax breaks for energy production, incentives for charitable giving, and the renewal of tax credits for research, job creation and homeownership.

The White House also picked up a few ideas from Congress, backing efforts to reduce inflated deductions for donated cars and intellectual property, as well as shut down a leasing transaction used by local governments to raise money and by private companies to increase their tax deductions.

The Treasury Department refrained from offering ideas to overhaul the alternative minimum tax, which originally curbed tax sheltering among high-income taxpayers but increasingly affects middle-income families.

It also only offered general guidelines to lawmakers trying to avert a trade war with Europe over a U.S. export subsidy. However, the administration for the first time suggested a corporate rate cut as one way to make up for eliminating the tax breaks for exporters.