![]() ![]() The paper describes a low cost/low services government-organized plan and estimates that it might cost $40-50 per worker per year. ![]() In financial and insurance markets generally, the group and individual markets function very differently and yield different pricing structures. Thus, government-organized accounts are organized on a group basis while privately-organized accounts are organized on an individual basis. With privately-organized accounts, equilibrium prices reflect selling costs as well as administrative costs. The government spreads the costs of government-organized accounts among accounts, outside sources of revenue, employers and workers. For privately-organized accounts, individuals directly select private firms to do these tasks. For government-organized accounts, the government arranges for both record-keeping and investment management. If you have never been able to charge the smartpen using the charging cable or are having an issue with a smartpen that was charging before but has stopped charging, please let us know.There are many individual account proposals.
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