"If they start out with a lower level to begin with, because they've been compromised as a child, then the time at which they're at greater susceptibility for respiratory illness could be earlier in age and, potentially, as they get older, " said James Gauderman, an assistant professor of preventive medicine at USC.

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After delving into the technology issues, companies that are ready to start small could begin with tests similar to what I proposed that Google should do to accelerate its own driverless program.

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And they would, through education and maybe a little osmosis, learn that the best way to provide for their retirements would be to start early, begin with small contributions, and stick to a low-risk strategy that protects them against big losses.

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