The bottom line, from my perspective, is the biggest programs that serve people with disabilities are from an era when expectations were not as great as they are today.

I believe we've defined eligibility for that program based on outdated attitudes about what people with significant disabilities are capable of doing in the workplace.

It's creative. The penny fee on stock transactions is an interesting thought.

They all focus on how we get people to save for disability when they are young and healthy.

Most disabled people would tell you that the bigger concerns they have around the workplace are not around physical accessibility. They're more around attitudes. I think it's easier to legislate and see change around bricks and mortar than it is around attitudes.