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Passing responsibilities down to lower levels of government should be undertaken primarily to place services closer to the people being served and to maximize administrative

Policymakers should expand opportunities for people to volunteer in their communities. This includes older adults and people with disabilities.

When economic conditions permit, states should accumulate budget reserves adequate to maintain services during recessions.

Deficit-reduction efforts should avoid cuts in programs that serve low- and moderate-income populations.

Efforts to balance the budget or address shortfalls should remain the purview of the legislative branch.

Policymakers should provide for transparency and honesty in the budget process.

Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.

State and local governments should expand and strengthen consumer protections, as well as consumer outreach and education programs.

Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.