Robert Stowe England has been a financial editor and journalist for more than 20 years. Since 1999 he has served as Director of Research for the Global Aging Initiative (GAI) at CSIS. England has written extensively on employee benefits, retirement, and pensions in a variety of journals and magazines and has written a number of research papers on retirement issues. He has also written often on business strategy, banking, corporate finance, the economy, and foreign affairs. He was the author of three white papers for GAI that were published as monographs for CSIS in 2002: "The Fiscal Challenge