While we've made progress with our numbers, this will be a harder-to-reach group, and we have less money to do it.... Many people don't know or understand about the tax credit that they can receive. And so affordability is a barrier. We know that a disproportionate number of those who are still uninsured are young.

No innovation in the past 200 years has done more to save lives and improve health than the sanitation revolution triggered by invention of the toilet. But it did not go far enough. It only reached one-third of the world.

While natural disasters capture headlines and national attention short-term, the work of recovery and rebuilding is long-term.

Putting People First was progressivism revived, and at its best.

So we want to make it easier to shop and understand products because many people aren't educated about what's offered - do you know your premiums? Do you know your copays? Do you know your deductibles? And so figuring out ways that we help people understand what this is, how it works, and that they can shop to get what they need.

While we've made progress with our numbers, this will be a harder-to-reach group, and we have less money to do it.... Many people don't know or understand about the tax credit that they can receive. And so affordability is a barrier. We know that a disproportionate number of those who are still uninsured are young.

Technologies, including cell phones, have the potential to help millions of poor people out of poverty by enabling access to a range of safe, affordable financial services - most importantly, savings accounts - that have long been out of reach.