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"If the American people ever allow private banks
to control the issue of their money, first by inflation
and then by deflation, the banks and corporations
that will grow up around them,will deprive
the people of their property until their
children will wake up homeless on the continent
their fathers conquered." - Thomas Jefferson






Ron Paul :2012



All truth passes through three stages.
First, it is ridiculed.
Second, it is violently opposed.
Third, it is accepted as being self-evident.


“Nothing is more powerful
than an idea whose time has come.”


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25 January 2008

25th January'08 (click here: Ron Paul Radio)

RON PAUL

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NEWS
Mitt v. McCain on flipping
Giuliani memo questions latest polls
Giuliani Says He'll Stay in Race After Fla.
Giuliani fights political fall in Florida
Obama defends fierce tone of campaign with Clinton
UPDATE 1-Kucinich drops out of US presidential race
Flight instructor gets $5 million for catching '20th' hijacker
Moussaoui Tipster Gets $5 Million
An exit strategy without an exit
Gates: Troops could go to Pakistan
Arms control role for Wolfowitz
Wolfowitz named to State Dept. arms-control panel
Senators press for colleges' financial details
Feds say man's nooses targeted Jena Six marchers
HOR Censures Legislator For Kicking Photographer
Sylvester Stallone Endorses McCain. Coolest Endorsement Yet?
Military Autopsy Under Way to Determine Who Fathered Maria ...
Panel Mulls Neglected Prisoner's Death
Health changes matter more to US Democrats - study
'Daily Voting News' For January 24, 2008
Romney's waxes optimistic on economy
Adwatch: Dueling Obama, Clinton ads
Ny Times Endorses Clinton, Mccain
Palestinians Savor Open Gaza Border
How An Italian Government Falls
Kenya’s Opposition ODM Unhappy With Alleged Kibaki Antics
Sarkozy Says France, India Near Deal on Nuclear Cooperation
How vanity and a hunger for power were Peter Hain’s undoing
Musharraf to West: 'We have our own brains'
Al Qaeda goes north: Police chief killed in Mosul
Poland opens inquiry into worst military crash
Amazon's rescue reversed
US to Step Up Training of Pakistanis
Musharraf must go, say key backers - World - theage.com.au
VOA News - US Plans More Training of Pakistani Forces Fighting Islamic Militants
BBC NEWS | Asia-Pacific | Credit crunch worries Japan's PM
Canada fights lawsuit on Afghan prisoners-Amnesty
Poet held after coded attack on Burmese leader
Man's suicide 'was not connected'
Taskforce to look into possible links between youth suicides
Troops bid farewell to Canada's 78th Afghan casualty
GOP debaters get jabs in at Clinton - The Debates- msnbc.com
Clinton, McCain win Times endorsements - Decision '08- msnbc.com
NBC/WSJ poll: Romney, Obama hold leads - Decision '08- msnbc.com
Newsvine - Tax Rebate Deal Could Mean Checks by May
Newsvine - Why Bill Clinton campaigning is unfair to Barack Obama
You Decide 08! » GOP Candidates Talk Tax Cuts in Florida Debate
You Decide 2008 » MSNBC Florida Republican Debate Analysis 1/24
WorldNetDaily: Woman charged with selling veggies by pound
Officials: Political stunt not in good taste, but 'blasphemous' snack posted on WND
Reintroduces plan to require double-layer protections
Police commander targeted for assassination, locals fear drug-war spillover
Heartland crackdown 'pretty much a shocker for the smuggling organizations'
Editor joins Breitbart, Horowitz at Conservative Political Action Conference in D.C.
'Marketing of Evil' author keynotes 'Culture Conference 2008'
Alleged objective to 'conceal the mismanagement of the U.S. dollar'
'No triable issues': Academy's right to expel 2 girls in 'relationship' confirmed
Investigators say he coordinated information for 6,000 Islamic extremists
First Internet news site to own book-publishing division
Preparing to strike back against al-Qaida in northern city
Dutch expats in Islamic countries say film maker's comments already causing them problems
Second Afghan terrorist in 2 days to explode before killing anyone else
Amid reports he exchanged steamy text messages with top aide
Strikes at civilians in 2 locations as Israelis engage in U.S.-led talks
Wants Egypt to assume responsibility for electricity, aid shipments
WorldNetDaily - A Free Press for a Free People
Photograph shows her standing with man she calls 'slum landlord'
Republican presidential hopefuls focus on Bush's stimulus plan, Democrats
NBC/WSJ poll: But McCain, Clinton hold solid advantages nationally
Strategists say his attack ads may be prime reason for scorn
'Not only would he not help you, he would go out of his way to do things in opposition to you'
'Finger in your eye' style: 'He's tough to deal with, there's no doubt about it'
Stallone backs McCain against Norris' Huckabee
No 'turn around' artist: Say former U.S. attorney made improper leaks to media
Focus on the Family's fortunes described as 'flat' by group's CEO
Correspondent cites McCain's success in primaries as evidence
Book publisher sues Don Imus over 'cheesy' comment
FOXNews.com - Al Arabiya 'Chickens-to-Terror' Promo Ad Is a Head-Scratcher - International News | News of the World | Middle East News | Europe News
Fans Line Up In Atlanta For New Air Jordans - Family News Story - WSB Atlanta
Alert over jab for girls as two die following cervical cancer vaccination | the Daily Mail
WorldNetDaily: Hearings begin in slaughter of 3 Christians
BANGLADESH: ELDERLY CHRISTIAN WOMAN’S HOME SET ABLAZE
ABC News: Stowaways Found at Dulles Airport
ABC News: EXCLUSIVE: $5 Million Reward Given to Tipster Who Fingered Moussaoui
'This is fate': Vietnamese woman gets big surprise after taking job in Taiwan caring for elderly man
Obama campaign highlighting Hillary's past ties to retailer
Couple has skillfully steered nomination campaign toward race
Iraq war critic registered little voter support in early state contests
Says policies would reduce illegals in U.S. by 80% in few years
Security guard spotted pair trying to steal computers on surveillance tape, called police
'What do you do when you get married?' youngster asks
Negotiations to begin on taking American forces out of combat
Next president, Congress to confront major cost questions after taking office in '09
Maintained WMD facade to deter Iran – didn't believe U.S. would invade
'Highly-organized' theft business brought kids to UK from Romania, sent proceeds home
Young Muslim women in West becoming increasingly vulnerable
'We look at it in the point of view that it is a community that supports each other'
Supervisors: Man so desperate to stay in Navy he concocted unmerited honors
4 of 6 spots on body investigating, enforcing, campaign laws remain vacant
New York money manager denies accusation of assault on 14-year-old girl
Took out a 'tree hugger, a bicyclist, a Frenchman and a gay guy all in one shot'
Flexible: 'You can be anywhere you want, attend class anywhere you want'
'Learn and Earn' program gives cash to those who attend tutoring programs, improve grades
More than 75 universities have billion-dollar endowments, but 5 have much, much more
Synthetic DNA: 'This extraordinary accomplishment is a technological marvel'
Strange-looking headgear bathes brain with infra-red light, stimulates brain-cell growth
'We are causing a climate catastrophe'
Actor's role in 'Brokeback' calls 'God a liar,' radical group claims
Analysis IDs bones of 2 royal children some thought escaped Lenin's executioners
Researchers' breakthrough could mean humans live for 800 years
Top Earmark-er Clinton Grants $303,000 to 'Gay' Lobby Group -- 01/24/2008
SADDAM DID CRAZY 'PRETEND' GAME WITH ; WMDS TO SCARE IRAN
World Tribune — Report: North Korea to sell minisubs to Iran
FBI: Teen Had Handcuffs, Tape on Flight
Detroit Mayor Sex Scandal Revealed, But Not That He's a Democrat | NewsBusters.org
Suicide bomber falls down stairs ... | Mercury - The Voice of Tasmania
Roger Cohen: America Needs France's Atomic Anne - International - SPIEGEL ONLINE - News
Foreigners Keep Out! High Tech Mapping Starts to Redefine International Borders
Fate of F-15 Raises Questions about Procurement -- 01/24/2008
FOXNews.com - Al Qaeda's Dentist - International News | News of the World | Middle East News | Europe News
Palestinian journalists: Hamas staged blackouts | Jerusalem Post
Student: Behavior Teacher Broke My Finger - Indiana News Story - WRTV Indianapolis
Gaza Exodus to Egypt: A 'Blessing in Disguise' for Israel? - International - SPIEGEL ONLINE - News
Mexican Authorities Arrest Man in Border Agent's Death
Hypothetical attack on U.S. outlined by China - Air Force News, opinions, editorials, news from Iraq, photos, reports - Air Force Times
Company can fire medical pot user, court rules
EVIL LESBIAN MOM LEFT TODDLER TO DIE SLOW DEATH: DA
FOXNews.com - Border Guards Form Human Chain; Palestinians Rush Gaza Wall - International News | News of the World | Middle East News | Europe News
Hamas bulldozer wrecks another section of Rafah fence | Jerusalem Post
My Way News - Egypt Takes Steps to Close Gaza Border
Actor wore his fame modestly
NYPD: 4 Calls to Olsen Instead of 911
Obama Returns to Clinton's War Vote
Clinton Pulls Negative S.C. Ad | The Trail | washingtonpost.com
Bill Clinton to stay on the attack
U.S. candidates get set for 2 crucial primaries - International Herald Tribune
My Way News - New York Times Endorses Clinton, McCain
Interrogator: Invasion Surprised Saddam, Tells 60 Minutes Former Dictator Bragged About Eluding Capture - CBS News
US scientists close to creating artificial life: study
Cell Porn Scandal Hits Pa. High School -- OrlandoSentinel.com
.S. Teen Arrested In Plane Hijack Plot, 16-Year-Old Boy Found With Handcuffs, Rope And Duct Tape Aboard Flight, FBI Says - CBS News
The helmet that could turn back the symptoms of Alzheimer's | the Daily Mail
My Way News - Campaign Frustrates Some Gay Activists
My Way News - GOP Rivals Depict Clinton As Unworthy
My Way News - GOP Rivals Say Clinton Will Raise Taxes
raq ready for final battle with al Qaeda: PM | Reuters
Probe launched over Detroit mayor texts - Yahoo! News
Société Générale loses $7 billion in trading fraud - International Herald Tribune
Rogue trader preparing to give himself up in £3.7bn bank fraud had just lost his girlfriend | the Daily Mail
Kinky Sex, Shocking Death - January 25, 2008
I'm the chimpion! Ape trounces the best of the human world in memory competition | the Daily Mail
Number of young people found hanged in 'suicide cult town' rises to 13| News | This is London
Home Prices Fell in ’07 for First Time in Decades - New York Times
AFP: Democrat Kucinich dropping presidential bid
Ron Paul Campaign to Louisiana GOP: Count All the Votes
Thompson Supporters Should Consider Ron Paul
Ron Paul Wins Arkansas County Straw Poll
Colin Powell Confronted Over Use of D.U.
The NY Post's 'Obscene' Gesture to 9/11 Truth
What Referendum? British MPs Confronted on Yielding to EU
YouTube - Henry Kissinger Interview With Becky Quick 1-23-2008
President Bush Says Usama Bin Laden May Not Be Captured During His Time in Office
Super Tuesday Won't Decide Nominations
Inside Info on Dragon Skin Scandal
Kucinich to Introduce Impeachment of Bush Before State of the Union January 28
FLASHBACK: Economists Predicted That A Prolonged U.S. Presence In Iraq Could Lead To A Recession
Sovereign Deed RED ALERT RED ALERT RED ALERT | Ron Paul War Room
Sovereign Deed™ Plan. Provide. Protect.™
Back in the U.S.S.R.: KGB Theme Park
Kramer Calls For Investigation Of Fed
Housing prices to free fall in 2008 - Merrill
Norman Podhoretz: Stopping Iran
American Education Fails Because It Isn’t Education
Engineering Evolution: The Alchemy of Eugenics
Ron Paul Speaks Out Against Dangerous Vaccines
NY POST: PURE OBSCENITY - Lunatics Take Over Ground Zero
9/11 Contradictions: When Did Cheney Enter the Underground Bunker?
YouTube - Unignited Thermite found in Ground Zero
Body Fragments Found at Ground Zero Site Kept Secret
Wal-Mart Is Dead Serious About RFID - CIO.com - Business Technology Leadership
Yes, They're Watching Every Move
YouTube - President BUSH PARDON's HIMSELF against POTENTIAL WARCRIMES
YouTube - Proof of voter fraud in the USA - from the horse's mouth
More Eugenics Propaganda From Hollywood | Ron Paul War Room
YouTube - Lakota Nation Cecedes Due to New World Order (Part 1)
Kubrick's Dr. Strangelove Depicted Classified Plans
YouTube - Stupidest Mother Fockers on the Planet!!!
My Way News - Super Tuesday Won't Decide Nominations
North-American Monetary Integration: Here Comes the Amero
Lord Save Us from Useful Green Idiots
HPV Vaccine Killing School Girls
Forget 1987, This Could Be 1929 All Over Again
President Hillary
Romney Fed Answers During Debate
John Taylor Gatto: State Controlled Consciousness
What Referendum? British MPs Confronted on Yielding to EU
The NY Post’s ‘Obscene’ Gesture to 9/11 Truth
Kissinger Blames Global Recession on U.S. Protectionism
Farewell to Old Economic Nostrums
The “Brutal World”
The Danse Macabre of US-Style Democracy
The Huckster’s Take on Neocon Lies: Saddam Moved WMD to Jordan
Orwell Rolls in His Grave
Charlotte Iserbyt: Deliberate Dumbing Down of the World
Globalist Program to Brainwash School Kids in Texas
Colin Powell Confronted on Depleted Uranium
Peak Oil Video Game
Financial Meltdown: Is This The Big One?
Ron Paul Shunned In Blatantly Unfair MSNBC Debate
Corporate Media Ignores Ron Paul’s Second Place In Louisiana
Ron Paul Unveils Real Economic Plan
U.S. Scientists Close To Creating Artificial Life
DHS Collecting Fingerprints At Logan
Newspaper Web Sites Draw Record Viewers
Rush Tacitly Endorses Ron Paul
Deal Reached On Tax Rebates
Gore: Climate Change Worse Than Feared
FT.com / Companies / Financial services - Banks pressed to bail-out bond insurers
FOXNews.com - President Bush Says Usama Bin Laden May Not Be Captured During His Time in Office - Politics | Republican Party | Democratic Party | Political Spectrum
Exclusive: Ernest Istook looks askance at giveaways meant to boost economy
Exclusive: Ilana Mercer compares bankrupt U.S. to savings-generated health of China
Exclusive: Melanie Morgan highlights turnaround in surge opinion Dems won't touch
David Limbaugh notes 'maverick' and 'conservative' are not synonymous
Pat Buchanan: 'Amnesty John' could keep Republicans from polls in November
Exclusive: Joseph Farah pummels denomination for 'evil' act of divesting from Israel
Exclusive: Hal Lindsey points out absurdity of scientists trying to 'create' life
Exclusive: Aaron Klein says terror group bested Egypt, Israel, U.S.
Phyllis Schlafly hails new book showing Joe McCarthy histories need to be rewritten
Bill Press pounds Rush, Hannity for defending controversial radio talker Bob Grant
Robert Scheer asks, with Kucinich out, who will go after financial tycoons?
Larry Elder cites study showing lefties have more disdain for opponents than conservatives
Bruce Walker marks decade since Hillary uttered infamous phrase
Paul Wolfowitz To Head Panel Advising US On Arms Control
VIDEO: Ron Paul @ GOP Debate In Florida on 1/24/08 MSNBC
Immigration officials detaining, deporting American citizens
US hires 'fake' Soviet weapons experts
Going bankrupt: The US's greatest threat
VIDEO: Kissinger Concerned About Protectionism Slowing Globalization
Report: Army's Future Combat System plagued by software problems
Bases compete for Cyber Command
Bush speeds up licenses for military exports to US allies
MoD laptop losses expose government data indifference
Soros: End of Dollar Reserve
FEMA: Emergency response plans restore local authority
Advance Nanotech Adds Homeland Security Expert to Its Board of Directors
Video: Ron Paul On Cavuto 1/23/08
Cheney Wants Surveillance Law Expanded
US rates 'heading for 2.5% by the spring'
FISA 2.0 Called 'Atrocious' Privacy Violation
Serbia deal tightens Russia's grip on European energy
Study: False statements preceded war
Bush Establishes Financial Propaganda Council
Google Funds Web-DNA Test
Israel Eyes Thinking Machines to Fight 'Doomsday' Missile Strikes
The Coming Global Depression
Paul blames Federal Reserve for economy's woes
Federal Reserve makes emergency rate cut
The New Kings of Wall Street - BusinessWeek
The Florida Republican Debate
"Solutions for the American Economy"
Panel on the Disdain Toward Romney
Examining the Latest Controversies and Numbers
An Interview with John McCain
The Tax Threat to Prosperity - WSJ.com
Stimulus Gone Bad - New York Times
Byron York on Rudy Giuliani on National Review Online
Bill Clinton, the one-man steamroller - The Boston Globe
Turning the Triple Play - New York Times
reaking Up Is Hard to Do
Some Things Even Obama Can't Transcend
The Audacity of Huck
The War of Ideas - TIME
Look Who's Afraid of Free Trade
Campaigner in chief - Opinion - USATODAY.com
ReviewJournal.com - Opinion - EDITORIAL: Bill Clinton, in familiar form
A Stimulating Plan - washingtonpost.com
FREE MONEY!
Clinton, Obama Back Off Attacks - washingtonpost.com
GOP rivals focus on economy, need for more tax cuts -- OrlandoSentinel.com
Black America Feels the Sting of Ex-President's Comments - washingtonpost.com
ays to fix the world’s financial system
RealClearPolitics - Articles - Clinton's Depressing Assault on Obama
RealClearPolitics - Articles - Ensign Surveys the '08 Landscape
Ways to fix the world’s financial system
RealClearPolitics - Articles - John Edwards: Losing Ugly
The GOP Debate: A Model of Civility - Real Clear Politics - Mid Term Elections - Elections 2008 - TIME
The Daily 2008 - Real Clear Politics - Mid Term Elections - Elections 2008 - TIME
RealClearPolitics - Articles - Capitalism Doesn't Work, Mr. Gates?
Putsch in Hillaryland
hat Is the Real Deal With Biofuels? by Wilton D. Alston
Income Redistribution Is Not Charity by Manuel Lora
Get Good With Gun Gab by Greg Perry
Free Money for Everybody!* by Bill Sardi
Two Men, Two Legs, and Too Much Suffering by Tom Engelhardt and Nick Turse
Foreign Thought Police Target US Candidates- by Justin Raimondo
The March by Garet Garrett
Rummy Resurfaces, Calls for U.S. Propaganda Agency (Updated) | Danger Room from Wired.com
Sir Richard Branson reveals Virgin spaceship - Telegraph
Pro Libertate: "Pre-emptive" Nuclear War: The Safeties Are Off
BBC NEWS | Technology | Net body issues plea for liberty
tica's required course is the Happy Camper School of survival | csmonitor.com
t least 300 motorists stranded in
Clinton seeks to smooth relations with Obama
Election 2008: South Carolina Primaries
ON DEADLINE: Hillary Wins Race on Race
Republican Presidential Debate Focuses on Economy
Romney, McCain look to Florida as launch pad
New hurricane center director named
US hurricane center gets new chief after discord
Still No Suspects, Few Clues in Suspected Reno Kidnapping
No Suspects, Few Clues in Student Kidnap
Family of missing student ask for help finding her
Ohio congressman Dennis Kucinich abandons second, long-shot White House bid | Special reports | Guardian Unlimited
President Bush, First Lady to Visit Africa Next Month
Africa: President Bush to Visit Five Countries
President Bush to visit Africa in February
US states lead in rush to reform health care
Feds give $5M to flight instructor who led them to Moussaoui
Deal lets man plead guilty, go free
VOA News - US Lawmakers Disagree over Terms For Renewing Wiretap Law
rookville man charged in fatal hit-and-run
Missing 5-year-old migrant girl found safe in rugged So. Arizona
Border Patrol agents find missing girl, 5, near Sierra Vista
Paul Wolfowitz named to chair advisory panel
Judge Calls Phone Call "Breathtaking In Its Inhumanity"
10 years for drunk-driver who "took out treehugger"
Mansfield mayor quits after recall effort, failed proposal
Judge removes lawyer for ex-Giuliani aide Kerik
Grand jury indicts fugitive Marine in woman's death
US ready to fight militants with Pakistani troops
High mercury content found in tuna sushi
At FL Debate, Huckabee on McCain’s Age: I Disagree with Chuck
Voter ID Issue Heads To Committee
Fact Check: Clinton, Obama & health care
Egypt Begins Closing Gaza Border
Egypt begins to seal parts of border with Gaza
Was Al-Qaeda Behind Beirut Bombing?
The Press Association: Anti-terror official dies in blast
The Associated Press: Beirut Bomb Kills Anti-Terror Officer
Iraqi leader vows new push against militants in northern city
Mosul police chief killed by suicide bomber at blast site | Iraq | Guardian Unlimited
Iraq ready for "final" battle with al Qaeda - PM
Italy's "professor" learns lesson in betrayal
Kenya: Kibaki Meets Raila in Signal for Peace
India, France to Boost Military Cooperation, Political Ties
Sri Lanka fixes dates for elections in war-torn east
Sri Lankan Power-Sharing Plan Proposes Interim Council in North
Pakistan Tests Nuclear Capable, Medium Range Missile
Pakistan tests missile, rejects nuclear safety worry
Hain investigation to focus on his lack of transparency
How damaging is Hain row for Brown?
FACTBOX: Mugabe announces 2008 elections
Zimbabwe sets date for elections
S. Africa Declares Electricity Emergency
Report: UK army abuse 'not systemic'
Reporter's Notebook: Dispatch from World Economic Forum in Davos
China train runs down and kills 18 workers
Train kills 18 rail workers in China
Japan PM to urge collective action at Davos -media
Coalition Air Strike Kills Taliban, Afghan Police
Coalition troops caught in Afghan ambush
Pakistani Army Says Up to 30 Militants Killed in Northwest
Pakistan militants seize ammunition trucks
Pakistani troops kill 30 militants in hunt for stolen trucks: army
Dion "open to debate" on Afghan mission
Greece, Turkey Improve Ties Over Cyprus Conflict
New Zealand warns Japan's whalers
March for Life in D.C. Gets little Media Coverage
Economic Stimulus Package Ignores the Laws of Economics
Ron Paul Receives Mediocre Mainstream Media Coverage Despite Stellar Credentials
Abortions Reported as Decreasing
Wisconsin Residents Fed Global Warming Scare Stories
U.S. Media Ignores FBI Nuclear Scandal and Now Coverup
Clinton Confronted With Rezko Photo on "Today"
Edwards: "Grown Up"
PowerPAC: "Embrace Hope, Vote Change"
Dick Morris' Latest Analysis
Michelle Obama's Clinton Comments
How Romney Will Run Against the Clintons
Huckabee at the Debate
Giuliani's Debate Highlights
Barack Obama's "Late Show" Top Ten
Giuliani's Debate Highlights
Romney's Debate Highlights
Romney: "Waltz" Web Ad
McCain: "Mittsurfing" Web Ad
Giuliani: "Gary Bernsten"
A Look at the State of the Nation
Giuliani on "Larry King Live"
Clinton/Obama Radio Ad Wars
"Morning Joe" Crew Discusses Obama's Votes
McCain Calls Out Clinton on Iraq
Schultz Says Bill Clinton is Lying
McCain Endorses Romney.. in 2002
Edwards: "Native Son Movie" Web Ad
Anti-Giuliani Firefighter Rally
Romney: "Winning Combination"
Another Refutation of the Obama Smears
Nobel economist: Not easily stopped by Fed's drastic cuts in interest rates
Investigators believe he was taking massive risks in attempt to boost his bonuses
Revelations spur market to reassess central bank's intentions in new light
'An important debate is going on ... over whether or not to cut interest rates'
Much of nation's recent growth was result of credit-induced frenzy
Individuals will receive up to $600, couples up to $1,200
Federal Reserve's surprise rate cut sparks refinancing boom
Investment bank may not have much incentive to help, investor says
Surging crude prices could help oil giant post biggest bottom line ever for U.S. firm
Claims conventional supplies won't keep pace with population growth, economic development
Software giant's raised forecast appreciated by late traders
Microsoft guru not ditching free-market beliefs, but says system not benefiting less well-off
Cops said candy too much like real thing – existing product will still be sold
Touting beverage's variety, nuanced flavor, heritage, food-pairing possibilities
CEOs coping with stress by drinking equivalent of almost 3 bottles of wine a week
Critics blast publicly funded network for competing with commercial market
Starbucks large white chocolate mocha with whole-milk whip has 628
Examining 'thrust reduction and continued lack of response of the engines'
Suits say companies misled consumers into thinking drugs more effective than generic
Dave Ramsey talks nest-egg amounts, health insurance, pre-paid tuition