And the dark side of zero tolerance for schools is growing darker, as zealots add more and more minor misdemeanours to their list and as school boards, terrified of being sued, increasingly resort to inflexible rules.

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As for the two-and-20 crowd, you can add another zero if the Senate Finance Committee gets its way.

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Add to this a personal savings rate in the United States that stands below zero and, unfortunately, none of the retirement cylinders look to be firing right now.

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