I discussed the history of retirement security in the U.S. and the current status of 401K-based retirement with Tom Ashbrook on NPR's On Point, "Is the 401(k) Working?" I described the fundamental flaw in the current system, "You're on your own." The possibilities for government, especially state and local, to help provide additional retirement funding for its citizens, is a major area of focus for new SCEPA research, through measures such as state-level Guaranteed Retirement Accounts (GRAs).