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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

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.

Federal policymakers should develop a comprehensive system for financing Long-Term Services and Supports (LTSS) that includes a new social insurance program to provide a bas

The cost of a new social insurance LTSS program should be paid for with premiums, individual contributions through cost-sharing requirements, and general revenues.

Efforts to balance the budget or address shortfalls should remain the purview of the legislative branch.

Policymakers should provide for transparency and honesty in the budget process.

Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.

State and local governments should expand and strengthen consumer protections, as well as consumer outreach and education programs.

Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.