| http://www.w3.org/ns/prov#value | - Michael Sherraden, arguably the father of the American IDA industry, said in testimony before the President???s Commission on Social Security in 2001, IDA participants are willing to make consumption sacrifices in order to save???.Effects of saving and asset accumulation appear to be multiple and positive in areas such as work behavior, home ownership, confidence and control, and plans for educat
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