The picture on the front cover is a portrait of myself when I was seven or eight years old. It was drawn in charcoal, by my father. I am using this picture for a couple of reasons. The first, is that I wanted to showcase and honor my father's artistic talent. I can still remember how uncomfortable I was, sitting stiffly in a chair for 20 minutes while he completed the drawing. I was not at all happy. And now, I can honestly say that this picture is one of my most cherished possessions. The second reason for using the picture, is that I wanted to illustrate that the past is now the future. There are many people who grew up in the fifties, as I did, who are gravely concerned about an impending crisis with Social Security. I am now 53, and out of this concern, I hope I have come up with a viable solution that will avert this crisis.