JAMES H. SCHULZ is Professor of Economics in the Florence Heller School at Brandeis University. He holds the Meyer and Ida Kirstein Chair in Aging Policy and is a former president of the Gerontological Society of America. His other books include Providing Adequate Retirement Income and The Economics of Aging (Auburn House).ALLAN BOROWSKI is in charge of research at the Australian Bureau of Immigration Research and is an Associate of the Lincoln Gerontology Centre in Melbourne. He has been a consultant to numerous welfare agencies in Australia, the United States, and Canada. He is the author of over 50 publications in the areas of youth, pensions, employment, and social security.WILLIAM H. CROWN is Associate Research Professor at the Policy Center on Aging in the Florence Heller School at Brandeis University. He is an economist specializing in regional economics and the economics of aging. He is especially well-known for his articles on changing demographic trends and their economic impact.