Last year's repeal of the final remaining vestige of Regulation Q, the prohibition of payment of interest on business demand deposits, at long last completed a pro-competitive process which began with the Monetary Control Act of 1980.  The repeal was and is a good idea.  We can easily see this by asking and answering half a dozen simple questions, to make the matter clear.

A new study projects that U.S. healthcare spending will rise by as much as $66 billion a year by 2030 because of obesity. That’s about 2.6 percent of current health spending. While this trend is of obvious concern (and would be good to avoid), those figures pale in comparison to the total amount of U.S. health spending that can be attributed to behavior, lifestyle, and other avoidable causes.

How would personal Social Security accounts have fared in the current market?

Instead of issuing bonds into the Social Security trust fund,the Treasury should issue the bonds directly into your own personal account:your own trust fundofrisk-free assets.

To better understand the determinants of health spending, it is important to distinguish spending on chronic health conditions from spending on patients with chronic health conditions.

While almost all politicians appear to favor the extension of tax cuts for low- and middle-income households, many politicians are disparaging investment and in particular the taxpayers who account for most of that investment.

We must ensure that the Lifetime Savings Accounts are not just another entitlement program added on top of all the excessive entitlement obligations we already have.

Twenty years from now, due to demographic pressures, Western economies will have stagnating populations, shrinking workforces, and ballooning social-spending commitments.