Launch party and benefit for Lights Out, Green In:
Turning you on to turning off your lights
*Cost includes entry in door prize drawing of awesome stuff such as Tim McGraw concert tickets, Ben & Jerry's gift certificates, Johnny Rockets gift certificates and a 50/50 raffle.
Lights Out, Green In is a brand new non-profit organization formed to encourage people to turn off their lights from 11 a.m. to 1 p.m., and provide energy-efficient lightbulbs to low-income residents. Come to our launch party to learn more about the organization, help us raise money, win prizes, and have cheap drinks and snacks! The website has not launched yet but once it does, it can be found at this address: www.lightsoutgreenin.org In the meantime, if anyone is interested in getting involved immediately, they can email the Executivie Director Matt Martinelli at: mmartinelli@lightsoutgreenin.org.
Congrats to Dustin "Pedey" Pedroia for winning the American League MVP award today.
Pedroia won in comfortable fashion with 16 out of 28 first place votes. Twins first baseman Justin Morneau got second and Red Sox first baseman Kevin Youkilis came in third.
Wow.
Would you have ever thought that Pedroia and Youklis would have come in 1st and 3rd in MVP balloting over Ortiz and Ramirez?!?
Next to the MVP trophy on his mantle, Pedroia also has his 2008 Gold Glove Award, the Silver Slugger award, the AL Rookie of the Year in 2007, and, of course, his 2007 World Series ring. Not too bad for a 25 year-old!
Newly elected Senate President Teresa Paiva-Weed announced today that the Senate will convene an “Informational Caucus” on December 4th that will focus on addressing the financial challenges facing the state.
All senators will be invited to participate and will focus on addressing the financial challenges facing the state, including the revenue shortfalls identified by the November Revenue Estimating Conference, the status of the pending “Global Medicaid Waiver” application, and the state’s overall economic outlook. The caucus will include presentations by the Senate’s fiscal staff, Gary Sasse, Director of the RI Department of Revenue, and Susanne Greschner, Director of Policy and Research for RIPEC. Paiva-Weed said:
“Rhode Island’s fiscal crisis will require bipartisan leadership from both the legislative and executive branches of government, which is why I am convening an informational caucus to afford all senators, both new and incumbent, an update regarding the financial challenges of the state, and to prepare to take whatever steps are necessary."
She also confirmed that it is her intention to appoint Senator Daniel DaPonte as chairman of the Senate Finance Committee.
"It was also important to find the best leader for the Senate Finance Committee during these difficult times, and to confirm my intention to select Senator Daniel Da Ponte as Chairman at this time. This enables the committee to begin work on these important issues prior to our scheduled return in January,” said Senator Paiva-Weed.Senator DaPonte had this to say:
“The state is facing a significant revenue shortfall in the current fiscal year. Already, the November Revenue Estimating Conference has determined that the state is taking in $233.6 million less than we based the budget on in the spring. Add to that a $33.6 million shortfall from Fiscal Year 2008 which was covered with 2009 funds, and additional caseload estimates netting $36.1 million, and we are facing a $303-million gap in the current fiscal year even prior to knowing definitively what the state departments may have overspent or other factors, such as a potential $10 million Station Nightclub fire settlement. In addition, the Legislature plays a significant oversight role in the Global Medicaid Waiver application, and the Finance Committee continues to closely monitor developments in this regard.”He continued:
“The severity of the challenges we face is hard to overstate. It is absolutely essential that the members of the Senate Finance Committee, Senate President-elect Teresa Paiva Weed, Senate Majority Leader-elect Daniel Connors, and all of the Senate leadership come together with our counterparts in the House of Representatives and the Governor’s office to find real and long-term solutions to these difficult challenges in the best interests of all Rhode Islanders. We worked together last session and in previous years to find ways to resolve our financial troubles without increasing broad-based taxes or making draconian cuts to human services. Whatever steps are required to resolve this difficult budget situation, it is vital that we begin the dialogue as soon as possible so we can work to find solutions and implement them in time to achieve the desired results.”Cameras and crew will be on-site at Stone House in Little Compton this Thursday and Friday to film a segment for Renovation Nation, an hour-long program focusing on environmentally conscious building, renovation and reconstruction, which airs on Planet Green, a 24-hour eco-lifestyle television network operated by the Discovery Channel (Cox Communications Channel 101, DirecTV Channel 286).
Little Compton residents and Stone House owners, Craig Pishotti and Zachary Miller, have been directing an extensive and historically accurate renovation of the hotel, originally built in 1854 and set to open for the 2009 season. The Stone House owners are balancing the preservation and renovation of this property with sustainable development and green building standards.
Let me start by saying that I tend to support getting rid of the straight-ticket lever. And I'm a math nerd, and have enjoyed reading TPublico's analyses of recent voting patterns.
I believe that it's incredibly important to work towards a true multi-party democracy. (I discuss this in detail here, in the context of RI electoral results and proportional representation.)
But the notion that the straight ticket is one of the fundamental determinants of who wins elections in Rhode Island, again purveyed today in an Achorn column, is baseless and condescending, to readers and voters.
Achorn writes, of the 'pernicious' lever's propensity for getting Dems elected:
It certainly has done a marvelous job achieving these ends in Rhode Island, where in this month’s election nearly half of the tiny band of Republicans in the legislature were politically executed.
I decided to do my own analysis -- took all of about 15 minutes -- by actually looking at the outcomes of 2008 State Rep races. I started with an absolutely insane, unsupportable assumption, that would skew the results as far as possible in favor of Achorn's contentions: Namely, that not a single person who used the 'straight ticket' option would otherwise have cast a vote in the state rep race in which they voted. (That the Poor Louts couldn't navigate their way down the page, or couldn't remember the directions from their handlers, beyond 'Vote for the Star!')
If one makes this patently absurd assumption, there are precisely three races where the results would have flipped away from the Democrat: Districts 16, 33, and 46.
We'd have 2 additional Repubs, and 1 additional Indy in the House -- And the Republicans would be at about 2/3 the strength they had last term. (About which Achorn whined quite a few times.)
If one makes a much more reasonable assumption -- that half of the straight ticket voters would've managed to cast a ballot for the candidate of their favored party (fumbling and bumbling all the way, of course) -- then every single Democrat who won on November 4th would have won anyway.
Now, this assumption is admittedly imperfect, as there's no easy way of knowing at what rate straight-ticket voters would otherwise have cast ballots -- it might very well be far higher than 50%. And yes, the lever probably makes a difference in the occasional Assembly election. But the point stands that it's absurd to claim that the straight ticket 'creates virtual killing fields for GOP candidates' or even that it 'seriously tilts the playing field against change.'
If the Repubs really want to achieve new relevance and win more seats, they need to run better candidates and support PR.
This Wednesday at 700pm at the Columbus Theatre in Providence, check out the film premiere of HOME ACROSS LANDS a film that chronicles the work of the International Institute of Rhode Island as it guides and empowers a group of Kunaman refugees making the transition from a life in the Shimelba Refugee Camp in Ethiopia, Africa to their new home in Providence, Rhode Island.
Karen Ziner has a great story in today's paper about the making of this film:
The Kunama featured in the film fled their native Eritrea after war broke out between Eritrea and Ethiopia in 1998. They then spent years in the Shimelba camp until they were granted refugee status by the United Nations High Commissioner for Refugees that allowed them to come to the United States.
...The film documents the institute’s role in helping the Kunama navigate their new world, from their arrival at T.F. Green Airport, to getting settled in apartments, learning the bus system, visiting health centers, studying English at the institute, and at their first jobs, including picking apples and radishes at Rhode Island farms.
Tickets range from $35 to $100. To reserve tickets or for information on Sponsorship Options call 401.784.8634 or information at iiri.org.
My wife and I recently celebrated our 1st wedding anniversary at the 1802 House bed and breakfast in Kennebunkport, Maine. We enjoyed our weekend stay there so much that I wanted to encourage all of you to plan your own romantic getaway there as well!
The bed and breakfast owners, Linda and Jay, were incredible hosts. They directed us to selecting the perfect room, gave us the ins and outs of the town and were attentive to any need that we had. In addition, they prepared a breakfast feast that was absolutely delicious.
So, the next time you are thinking of heading north for some peace and quiet (away from the commotion and your Crackberry), give the 1802 House a call. You won't be disappointed.
NOTE: You can bookmark this link to always know what's on the RIFuture.org calendar!
Tuesday, Nov. 18th - Lt. Gov. Elizabeth Roberts has started a new initiative called “Buy R.I.” She hopes that by encouraging consumers to buy locally that we can slow, stop and reverse the negative economic trends for small businesses in Rhode Island. The first meeting to discuss and launch Buy R.I. will coincide with the next meeting of the Small Business Advocacy Council, which is scheduled for: Tuesday, November 18th, 8:30-10:00 a.m. at the Rhode Island Economic Development Corporation, 315 Iron Horse Way (off Valley St), Providence. Please contact Matt Auten at mauten at ltgov.state.ri.us or 222-2371 to share your ideas about Buy R.I. and to RSVP.
Tuesday, Nov. 18th - Come join the Rhode Island Progressive Democrats of America (RIPDA) for an important organizational membership meeting at 7pm at the Mt. Pleasant branch library, 315 Academy Avenue in Providence. We’ll be meeting in the community room in the basement of the library. The phone number for the library is 401-455-8105. There is always plenty of on-street parking available at this location. If anyone needs a ride or wants to carpool let me know. RSVP here.
Wed. Nov. 19th - Business leader and historian Keith Stokes (who I spoke with regarding Plantations in the state name) will discuss the complexities of Rhode Island as both an early champion of religious freedom and the center of the New England slave trade in a talk entitled “American Irony: Slavery and Religious Freedom in Colonial Rhode Island." The event starts at 730pm at the Beneficent Congregational Church in Providence.
Wed. Nov. 19th - Support the RI Patient Advocacy Coalition's work (medical marijuana coalition) by joining them for their 2008 fundraiser party, Wednesday, November 19, from 6:00-8:00pm, at Trinity Brewhouse at Fountain St. & Empire St. in Providence. Click here to download a ticket so you can mail us your donation before the event.
Wednesday, Nov. 19th - Sara Czyzewicz is a passionate technologist, spending the past 10 years in research, conception, and development of mobile, web, and prototypical systems – from a "mood therapy" cell phone application to motion-sensing installations. As Co-Founder of DandyID.org, Sara is currently pursuing methods for identity management on the social web. She and fellow Co-Founder Arron Kallenberg will be presenting at the Providence Geeks Dinner on Wed. Nov. 19th from 530pm to 900pm. Details and RSVP here.
Saturday, Nov. 22nd - The Rhode Island Young Professionals (An Auxiliary of the Urban League of Rhode Island) & Rhode Island Housing are hosting “Constructing A Better Future” Housing Fair from 10am to 1pm at the John Hope Settlement House
(7 Thomas P Whitten Way, Providence). There will be workshops and program presentations catering to the needs of 1st Time Homebuyers and Current Home Owners alike. THIS EVENT IS FREE AND OPEN TO THE PUBLIC. To RSVP contact (401) 457-1245
Monday, Nov. 24th - Brown University's Food and Climate Change lecture series presents bestselling author Anna Lappé, at 7 p.m. in Salomon Center for Teaching, Room 001. Lappé is known for her research and writing on food politics, globalization, and social change. Her first book, Hope’s Edge: The Next Diet for a Small Planet (2002), co-authored with her mother Frances Moore Lappé, described social movements to end hunger throughout the developing world. Her second book, Grub: Ideas for an Urban Organic Kitchen, promotes the value of eating sustainable food and serves as practical guide for its preparation.
Monday, Nov. 24th - Please join Senator James E. Doyle, II, Michael Horan, Esq., Joseph Keough, Esq., John J. O'Neill, Elizabeth Noonan, Esq.,
Representative Peter F. Kilmartin, and Margaret M. Lynch-Gadaleta, Esq. for a cocktail reception in honor of Attorney General Patrick Lynch from 600pm to 800pm for at Pawtucket Country Club (900 Armistice Boulevard). The suggested contributions range from $150 to $250 to $500 to $1000. You can donate online here.
Wed., Nov. 26th - Come out and enjoy a pint with the Providence chapter of Drinking Liberally. Starting at 800pm at the Wild Colonial tavern at 250 South Water St. in Providence.
Friday, Nov. 28th - 12th Annual BUY NOTHING DAY WINTER COAT EXCHANGE - If you have a coat to give, please drop it off. If you need a coat, please pick one up. 1000am to 200pm on the State House lawn (directly across from Providence Place mall). Rain/snow site: St. Patrick's School, 244 Smith ST. Providence & the Blackstone Valley Visitors Center, 175 Main St. Pawtucket
The Institute for Labor Studies and Research and the Rhode Island for Community and Justice are currently accepting applications for the LFAF Class of 2009. This state-wide program provides a leadership training environment for emerging leaders from community groups, labor unions and the religious community. It also provides an opportunity for leaders from diverse groups and diverse backgrounds to forge relationships and networks that will benefit themselves and their organizations throughout their lives.
Some the topics covered in the LFAF curriculum include:
For more details, call Carolina Bernal @ 463-9900 or Nada Shewmangal @ 467-1717
Most will yawn at my repetition, but when we need a governor-by-sound-byte, our very own Don Sound-byte is no where to be seen.
And let me be honest: I would settle for a cheerleader pumping up our image at this point (see Buddy Cianci. Ugh I can't believe I said that). George Nee had some solid ideas (especially using the unspent bond money to create jobs). LG Roberts is promoting a small idea but one that could start a spark.
Let's hear some more ideas. Let's instill confidence in our citizens and the consumers. Let's be copy cats if we have to.
But please governor, do something.
Word is that National Organization for Marriage head Maggie Gallagher was actually in Providence for the anti-8 rally (which by all reports was fantastic). To get a little more background on Maggie, you can check out this video from a recent CNN appearance. And just to have some more fun, when she mentions that people who bankrolled Question 8 are now having their public information put out on the internet, here is the LINK to see who gave the most money. PS.Don't you just love the picture from the NOM website?
The interminable PUC is reviewing National Grid’s proposed plan to comply with a new "net-metering" law sponsored by Rep. David Segal requiring National Grid to credit customers for excess solar or wind energy they produce. The PUC's "pre-hearing conference" is this Tuesday (tomorrow) at 9:30 a.m. in Hearing Room A of the PUC’s office at 89 Jefferson Blvd., Warwick.
The new law - 2008-H 7809 Aaa - requires electricity suppliers to use “net metering,” the practice of allowing customers on the electrical grid to be credited on their electricity bills for the value of electricity that they produce with generators such as solar panels or wind turbines but do not use. The new law is pivotal to the financing of wind turbine projects in Portsmouth and Barrington and will serve to encourage other such projects.
Without net metering, surplus electricity is pumped into the electrical grid and distributed to other customers – with the entity that produced it receiving no benefit. Representative Segal sponsored the legislation as a means to encourage more homeowners and businesses to invest in renewable energy generation projects.
1) Pass a law allowing gay marriage - really, what do you care if a couple of guys, or girls want to get married to each other? They're not hurting anyone. If you are against gay marriage, then don't get married to a gay person, or don't let them marry in your church, or don't acknowledge the marriage when they come to visit you at your house. Set your own bigoted personal, religious beliefs aside and recognize that the state has no right to deny gay people the same rights under the law that you have.
Besides, think of all the money the state could make on the marriage license fees!! I say jack them up to $100.00 a pop. That will stimulate the economy - that and all of the lavish weddings sure to follow! Gay marriage is both fair and good for the economy!
2) Decriminalize Marijuana - over 50% of the criminals in the ACI are there for non-violent drug related offenses. Legalizing marijuana would save a TON of money on legal proceedings and incarceration.
Besides, think of the huge boon this will be to convenient stores throughout the state. Put a "munchies tax" on any and all snack food sold after a certain hour. This could be big!
3) Create a funding formula for our public schools - nothing funny here, it's just common sense. We have a General Assembly all claiming to be Democrats and yet, we are like a third world nation when it comes to funding schools. What a bunch of bafoons!
Maybe if we stop looking like an ass-backward state people will be more likely to come and visit and spend their money.
4) A Statewide Socialized - yes, I said socialized! - Health Care System. Put every RIer in the same pool, and have Insurance companies give us a massive group rate. If you are rich and the thought of being in the same health care system as poorer folk makes you squeamish then you can augment the system with your own.
Heck, if you want to buy two family plans at roughly $20,000 a piece, go right ahead.
How is this fiscally responsible you might ask - wait, just wait until you see the savings. It turns out it's much less expensive to insure everyone, than it is to have so many uninsured who still need care. The uninsured cost those of us with insurance a TON of money. Insure everyone, and watch the premiums drop.
But wait, without Health Insurance costs to argue about what will contract negotiations be like? Pretty damned good I bet!
5) While we're at it, free higher education, and an expansion of the pension system so that all RIers have a safety net. Imagine if we threw in huge tax breaks for child care as well.
I know, I know, I'm going way off the deep end now, but indulge me for a minute or two.
How would we pay for all this? Easy, by taxing the massive influx of businesses that will be starting up and moving into RI.
Think about it, what business wouldn't want to be based in a state in which all of its employees already have free health care, higher ed., a pension, and child care. I mean, if the State is taking care of its citizens then all the employer has to do is pay a decent wage. NO benefit package at all. Even Jack Welch can't argue with that! Seriously, imagine the savings to the employer.
Instead of being based in another state and paying it's workers $15 an hour, and providing a 401K, child-care centers, and a health plan, a company can come to RI and pay $12.50 an hour and NO benefits at all and it's employees would still be happy!
Especially the gay, pot smoking ones!
But hopefully what will be injected into the argument will be some reasonableness. For example, hopefully someone in power will stand up and tell the emperors of tax cuts that they are naked. Because in fact tax cuts and spending cuts by the state may make our state budget worse.
According to the Center on Budget and Policy Priorities, the research on state budgets shows that it is easier for a state to spend its way out of recession than cut its way out of it. We learned this in the 1990’s here in Rhode Island – the banking crisis put us in a deep whole and state spending got us through it and out of it. CBPP put out a great policy brief a week ago, and once again they refer to Nobel Prize winner Joseph Stiglitz’s research and despite what we will here Monday morning from the usual suspects:
The more that the tax increases or transfer reductions are focused on those with lower propensities to consume (that is, on those who spend less and save more of each additional dollar of income), the less damage is done to the weakened economy. Since higher-income families tend to have lower propensities to consume than lower-income families, the least damaging approach in the short run involves tax increases concentrated on higher-income families.
Hopefully we will stop listening to people selling us on trickle down economics and start focusing on bottom up approaches.
A new website www.alarmedaboutcvscaremark.org has been launched to publicize the report. Also, the site gives consumers some suggestions for questions to ask your pharmacy benefits manager (PBMS) and also gives some suggestions for legislators who are interested in protecting consumers including:
The labor movement, showing once again that they are looking out for all workers and consumers.
Well, the editors have one thing right: If there’s anything Jack Welch knows, it’s American job loss (“Mr. Welch’s warning,” editorial, Nov. 7). Welch may well be “widely regarded as one of the sages of U.S. business” in the rarified quarters of Newport yacht clubs, but most working folks in the state will remember Welch as “Neutron Jack,” who like a neutron bomb eliminated the people while leaving the buildings intact.
For those with memories as short as those of our friends on Fountain Street, since 1986 GE has slashed its American workforce by one-half, shifting production to low-wage countries and encouraging its suppliers to do the same. Welch offers not a prescription for change, but more of the same bad advice that has already destroyed many of the blue-collar jobs that created the American middle-class. The same editors advocate major port development for the state. What better way to lure back a man who once said “ideally, you’d have every plant you own on a barge?” Say, what does a worker in Bangladesh make anyway?
RUSSELL CONWAY
Providence
Sadly, an individual or group robbed the Liberty Elm Diner in Elmwood, near Roger Williams Park, last night.
The perps stole the laptop and some tips and change in the change drawer, and vandalized the premise - smashing eggs and scattering pancake batter throughout.
If you haven't been to the Liberty Elm before, this is one of the best Sunday brunch hang outs - with live music and lively southside community.
For regulars reading this, I'm wondering about ways to help Carol and crew out - knowing that on top of the losses, they lost revenue from one of their most important days.
My personal plan is to simply pay twice for brunch next week, as a small way of supporting a local treasure.
NOTE: You can bookmark this link to always know what's on the RIFuture.org calendar!
Sunday, Nov. 16th - National Public Radio’s Mara Liasson will deliver the fifth Darrell West lecture on “The Impact of Race, Religion, and Gender on the Presidential Election”. Her lecture will take place at 600pm at Central Congregational Church (296 Angell Street, Providence). Liasson serves as NPR’s national political correspondent. Her reports are heard regularly on NPR’s All Things Considered and Morning Edition. She has covered every presidential election since 1992. She is a graduate of Brown University. Admission to the lecture is free and open to the public.
Tuesday, Nov. 18th - Lt. Gov. Elizabeth Roberts has started a new initiative called “Buy R.I.” She hopes that by encouraging consumers to buy locally that we can slow, stop and reverse the negative economic trends for small businesses in Rhode Island. The first meeting to discuss and launch Buy R.I. will coincide with the next meeting of the Small Business Advocacy Council, which is scheduled for: Tuesday, November 18th, 8:30-10:00 a.m. at the Rhode Island Economic Development Corporation, 315 Iron Horse Way (off Valley St), Providence. Please contact Matt Auten at mauten at ltgov.state.ri.us or 222-2371 to share your ideas about Buy R.I. and to RSVP.
Tuesday, Nov. 18th - Come join the Rhode Island Progressive Democrats of America (RIPDA) for an important organizational membership meeting at 7pm at the Mt. Pleasant branch library, 315 Academy Avenue in Providence. We’ll be meeting in the community room in the basement of the library. The phone number for the library is 401-455-8105. There is always plenty of on-street parking available at this location. If anyone needs a ride or wants to carpool let me know. RSVP here.
Wed. Nov. 19th - Business leader and historian Keith Stokes (who I spoke with regarding Plantations in the state name) will discuss the complexities of Rhode Island as both an early champion of religious freedom and the center of the New England slave trade in a talk entitled “American Irony: Slavery and Religious Freedom in Colonial Rhode Island." The event starts at 730pm at the Beneficent Congregational Church in Providence.
Wed. Nov. 19th - Support the RI Patient Advocacy Coalition's work (medical marijuana coalition) by joining them for their 2008 fundraiser party, Wednesday, November 19, from 6:00-8:00pm, at Trinity Brewhouse at Fountain St. & Empire St. in Providence. Click here to download a ticket so you can mail us your donation before the event.
Wednesday, Nov. 19th - Sara Czyzewicz is a passionate technologist, spending the past 10 years in research, conception, and development of mobile, web, and prototypical systems – from a "mood therapy" cell phone application to motion-sensing installations. As Co-Founder of DandyID.org, Sara is currently pursuing methods for identity management on the social web. She and fellow Co-Founder Arron Kallenberg will be presenting at the Providence Geeks Dinner on Wed. Nov. 19th from 530pm to 900pm. Details and RSVP here.
Saturday, Nov. 22nd - The Rhode Island Young Professionals (An Auxiliary of the Urban League of Rhode Island) & Rhode Island Housing are hosting “Constructing A Better Future” Housing Fair from 10am to 1pm at the John Hope Settlement House
(7 Thomas P Whitten Way, Providence). There will be workshops and program presentations catering to the needs of 1st Time Homebuyers and Current Home Owners alike. THIS EVENT IS FREE AND OPEN TO THE PUBLIC. To RSVP contact (401) 457-1245
Monday, Nov. 24th - Brown University's Food and Climate Change lecture series presents bestselling author Anna Lappé, at 7 p.m. in Salomon Center for Teaching, Room 001. Lappé is known for her research and writing on food politics, globalization, and social change. Her first book, Hope’s Edge: The Next Diet for a Small Planet (2002), co-authored with her mother Frances Moore Lappé, described social movements to end hunger throughout the developing world. Her second book, Grub: Ideas for an Urban Organic Kitchen, promotes the value of eating sustainable food and serves as practical guide for its preparation.
Monday, Nov. 24th - Fundraising reception from 600pm to 800pm for Attorney General Patrick Lynch at Pawtucket Country Club (900 Armistice Boulevard). The suggested contributions range from $150 to $250 to $500 to $1000. You can donate online here.
Friday, Nov. 28th - 12th Annual BUY NOTHING DAY WINTER COAT EXCHANGE - If you have a coat to give, please drop it off. If you need a coat, please pick one up. 1000am to 200pm on the State House lawn (directly across from Providence Place mall). Rain/snow site: St. Patrick's School, 244 Smith ST. Providence & the Blackstone Valley Visitors Center, 175 Main St. Pawtucket
Shouldn't they just rename retirement accounts to account for the changed conditions?
I know numerous people near retirement age who are now in a very bad position. Even "conservative" accounts often have lost significant proportions of their value.
Are we going to have an enormous wave of impoverished elderly, who were told they should try their best to build up these uninsured accounts for their futures?