By Ron Fournier
The Associated Press

WASHINGTON - John Kerry said Thursday he would have jumped into action more quickly than President Bush did on Sept. 11, 2001, raising the stakes in the political fight over terrorism as Bush warned that the United States can't afford to "grow timid and weary and afraid" in Iraq or elsewhere.

The Democratic challenger said he'd never waver - "I can fight a more effective, smarter and better war on terror that actually makes America safer," Kerry told Missouri voters.

Disputing that vow was a group of Vietnam veterans who unveiled a television ad challenging Kerry's medal-winning service in the war. Another veteran, Republican Sen. John McCain, urged the White House to condemn the "dishonest and dishonorable" commercial.

Kerry, tied or slightly ahead of Bush in most polls, hopes to erase the president's advantages on issues of terrorism and national security.

Before leaving the White House for Ohio and Michigan, Bush signed a $417.5 billion wartime defense bill providing an additional $25 billion for Iraq and Afghanistan, body armor for troops and reinforced Humvee vehicles. Kerry, a four-term Massachusetts senator, missed the votes on the bill.

Addressing minority journalists in the nation's capital, Kerry was asked what he would have done as president the moment he received word of the attacks on the World Trade Center. Bush spent seven minutes listening to The Pet Goat being read at a Florida elementary school after his chief of staff, Andrew Card, whispered, "America is under attack," as televisions cameras recorded the anxious scene.

"I would have told those kids very politely and nicely that the president of the United States had something that he needed to attend to," Kerry said. "And I would have attended to it."

Former New York Mayor Rudolph Giuliani came to Bush's defense, accusing Kerry of taking cues from moviemaker Michael Moore, whose Fahrenheit 9/11 questions the president's immediate reaction to the attacks.

"John Kerry is an indecisive candidate who has demonstrated an inconsistent position on the war on terror, who voted against funding for our troops at war and who cannot give a clear answer on his position concerning the decision to remove Saddam Hussein," the Republican said.

"I come to the job of commander in chief with the rare, gratefully, but important experience of having fought in a war," Kerry said. "And I believe we need a commander in chief who understands the test before you send young people to war."

Kerry often suggests that a wartime president needs war experience, but the remark carried extra weight Thursday as a group of fellow veterans questioned his combat credentials.

"When the chips were down, you could not count on John Kerry," says Larry Thurlow, one of several veterans who criticizes Kerry in a new 60-second ad.

Thurlow didn't serve on Kerry's swiftboat, but says he witnessed the events that led to Kerry winning a Bronze Star and the last of his three Purple Hearts. Kerry's crewmates support the candidate and call him a hero.

McCain, chairman of Bush's Arizona campaign, compared the ad to tactics used by Bush supporters against him during the bitterly contested 2000 GOP presidential primaries.

White House spokesman Scott McClellan did not denounce the ad - only the form of financing behind it. "The president thought he got rid of this unregulated soft money when he signed the bipartisan campaign finance reform into law," McClellan said. A chief sponsor of that bill, which Bush initially opposed, was McCain.