JAMES H. SCHULZ is Emeritus Professor of Economics, Brandeis University. A former president of the Gerontological Society of America, and recipient of numerous awards--including the Kleemier Award for outstanding research in the field of aging--he has written extensively on aging, pensions, retirement, and social policy. His 17 books include Social Security in the Twenty-First Century, The Economics of Population Aging, Providing Adequate Retirement Income When Life-Time Employment Ends, and seven editions of The Economics of Aging.