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Defined-contribution plan account holders should have to obtain written spousal consent to take payment from the account in a form other than a

Policymakers should establish and enforce uniform standards to safeguard the integrity of the electoral process.

Qualified candidates should receive free or significantly discounted media advertisements. They should also receive reduced postage for mailings.

Policymakers should strengthen federal and state laws that protect against age discrimination. They should ensure victims have adequate remedies, including monetary damages.

Federal, state, and local governments should maintain substantial penalties for violations of campaign finance laws.

Policymakers should expand disclosure requirements for all funds spent on elections or ballot initiatives.

The fundamental right of all people to be free from discrimination should be vigorously enforced. Policymakers should enact and implement civil rights statutes.

Legislators should enact and strengthen laws against hate crimes. These laws should be vigorously enforced.

Policymakers should expand access to free or reduced-cost legal services for older adults with low and moderate incomes.

Options for alternative dispute resolution should be available. These include mediation and arbitration.