President Clinton was able to achieve budget surpluses despite a divided government.

President Clinton was able to achieve budget surpluses despite a divided government.

It's not just that families can't buy a home or start a business without some savings tucked away.

Aging nations have arteries clogged with obsolete laws, slowing blood flow and preventing oxygen from reaching all parts of the body politic. Physicians call this arteriosclerosis; historians see decline of empire.

While tax refunds amount to substantial income for many Americans, current IRS rules do not allow taxpayers to directly deposit their refund into more than one account.

This is a simple change that will provide a huge financial boost for many Americans, particularly low- to moderate-income families. It is an important step in making sure we do everything we can to encourage all Americans to save and plan for the future.

Equality under the law is the slow triumph of hope over history.