"Examines trend toward digital means of consumer payments, asking several questions: How will digital money evolve? What impacts will technologies such as wireless devices have on payment for goods and services? What other technologies await consumers? And what will the consumer payments...

"Details the often incomplete, incoherent, and ineffectual U.S. energy policy, tackling specific policy questions: Why are these components of energy policy so important? How would 'acting in time'---not waiting until politics demands action---make a difference? What should our policy actually...

"Enhances research and informs the debate on restructuring the framework for U.S. insurance regulation. Evaluates proposed legislation to create an Optional Federal Charter for insurance companies and agents. Also goes beyond discussion of OFC and lays out the broader context and need for...