Just Make it Automatic Already
The first budget of the rather short-lived Paul Martin administration introduced a fairly cool idea to Canadian policy: the Canada Learning Bond (CLB). The idea built on some the then-trendy work of American sociologist Michael Sherraden (among others) around asset-based solutions to poverty. Basically, the idea was that one of the reasons middle-class people act middle-class is that that they have a specific set of time-preferences; on the whole, working-class individuals tend to have shorter time-preferences and hence are less