All the perplexities, confusion and distress in America arise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit and circulation.
It's one thing, holding open the door for someone at a grocery store, or the library, or just about anyplace else. But the doughnut shop is a different thing altogether. This is a get-in-and-out-as-fast-as-you-can operation. There's no room for courtesy or chivalry here.
Pension reforms, like investment advice and automatic enrollment, will strengthen the ability of Americans to save and invest for retirement.