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Telecommunications and utility services are essential to health, safety, and economic welfare. These services must be reliable, safe, and affordable.

Credit histories and loan records are tools traditionally used by lenders to decide whether to give consumers credit.

All consumers should receive service that meets their daily needs at a reasonable price. The rates for these services should be fair, reasonable, and affordable.

Rapid changes in technology have made protecting consumer privacy increasingly challenging.

Most states and the District of Columbia have established utility consumer advocate offices.

One indicator of smart fiscal practices is maintaining balance between spending and revenues. Occasionally deficits may be necessary.

Employers and policymakers can take steps to ensure that workers can balance work with other responsibilities such as providing care or managing an illness.

Flextime, part-time work, flexplace, telecommuting, teleworking, and job-sharing are examples of flexible work options. They appeal to workers of all ages.

More than one in five Americans—about 53 million adults—are caregivers.

The federal government, as well as almost all state governments, have laws against age discrimination.