Mobile and cloud are made for each other and CIOs need to start planning accordingly.

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Economist Alicia Munnell, director of Boston College's Center for Retirement Research, suggests that workers assume their pensions will be frozen and revise retirement planning accordingly.

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The authorities are accordingly planning to start at the grass roots, with partial elections for municipal councils next year.

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But make no mistake about it--they are all aware that the long-term energy future for Texas lies in cleaner technologies, and they are planning their business strategies accordingly.

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It is vital for human investors who are saving and planning for retirement to understand what is going on so they can act accordingly.

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