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Higher levels of government should provide adequate resources when mandating functions to lower levels of government.

Services should be implemented and operated by the level of government that can most appropriately and efficiently deliver them.

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.

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

Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

States and localities should move toward full funding of their retirement systems.

Policymakers should require fair terms and conditions in insurance to ensure availability and coverage.

States should require insurance companies to make their products available at fair and reasonable rates, including to people with disabilities, preexisting condi

Insurance companies should be required to provide clear, informative outlines of coverage before customers buy policies.