They all focus on how we get people to save for disability when they are young and healthy.

We’re trying to make a place for ourselves in society at a time when science is trying to remove at least some of us. For me, it’s very scary.

The bottom line, from my perspective, is the biggest programs that serve people with disabilities are from an era when expectations were not as great as they are today.

It’s creative. The penny fee on stock transactions is an interesting thought.