From cell phones to computers, quality is improving and costs are shrinking as companies fight to offer the public the best product at the best price. But this philosophy is sadly missing from our health-care insurance system.

American consumers benefit from free trade and investment.

Putting a stop to internet gambling is a necessary reform that targets flagrant violations of state and federal laws.

Indeed, I think most Americans now know that in 1935 when Social Security was created, there were some 42 Americans working for every American collecting retirement benefits.

Global fuel and consumption, however, is projected to increase by 100 to 150 percent over the next 20 years, driven largely by the rapidly growing Chinese and Indian economies; and this growth and this increase in demand will force prices even higher.

A recent Pew Hispanic survey found that more than 70 percent of illegal immigrants from Mexico are interested in a guest-worker program and then returning home.

But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by.