Dr.Lepora says she will probably return to MSF, because she says once she learned how to be effective in a crisis situation, she finds it very difficult not to act when another crisis comes up.

VOA: standard.2010.06.29

For many, the real effective return would be zero or even negative.

FORBES: A Winning Plan For Social Security Reform

Jay Bruce hit a tiebreaking homer off Shaun Marcum (0-5) and drove in two runs to back Johnny Cueto's wild but effective return from the disabled list for Cincinnati.

WSJ: Davis struggles in field and at plate for Mets

Whether the long-term deficit is closed ultimately by raising taxes or cutting benefits, that will mean the effective rate of return from the program will be lower, ultimately falling into the negative range for everyone.

FORBES: A Winning Plan For Social Security Reform