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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.

Government workers should continue to have access to defined-benefit plans.

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

States should establish state-facilitated savings arrangements that will increase employee participation in retirement savings options.

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.

Policymakers and the private sector should develop and implement transportation programs and services to improve community transportation resources for older adults.

Policymakers should support broad-based nationwide passenger rail service, including high-speed rail.