No book of this scope could have been put together without the advice, support, and assistance of a great many people. I would like thank Ed Crane, president of the Cato Institute, who has been a driving force behind the idea of Social Security reform since the institute was founded, and José Piñera and William Shipman, cochairs of Cato's Project on Social Security Choice, who have helped guide and nurture this project throughout its existence. Others deserving special thanks include David Boaz, Cato's executive vice president, and Susan Chamberlin, Cato's director of government affairs. Berna Brannon, a policy analyst with the project, and Helen Mitchell, my research assistant, provided invaluable assistance. Mitchell in particular deserves to be singled out for the long hours and important contribution she made to this book. It would not have been possible without her help. And finally, as always, I must thank my wife, Ellen, who never stops reminding me that public policy is not an abstraction but something that affects real people.