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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 joint-and-survivor annuity.

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

States should create a transparent and nonpartisan redistricting process.

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

Governments should set and strictly enforce limits on individual donations to campaigns.

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.

Policymakers should adopt new and expanded progressive savings incentives.