14 pages. "The first topic is retirement issues faced disproportionately by women ... The second topic is incremental reforms that might close some of the system's gaps in coverage and adequacy.... [T]he third topic is an argument for a different national retirement policy to replace the Rube Goldberg system we are now saddled with, in which enormous tax expenditures are used to reward the savings of the people least likely to need government largesse to incentivize them to save for retirement while preparedness problems of lower and moderate individuals are studied over and over again rather than meaningfully addressed."  MORE >>