In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.

[Q]: Amends the Internal Revenue Code to establish special individual retirement accounts that are nondeductible.  Makes such accounts nontaxable if earnings on contributions are held for at least five years.  Applies the early withdrawal penalty to distributions made before the end of the five year-period.
[A]: To amend the Internal Revenue Code of 1986 to permit nondeductible tax-free individual retirement accounts.


[Q]: Wire Transfer Fairness and Disclosure Act of 2002 - Amends the Electronic Fund Transfer Act to require that the following disclosures be prominently displayed on the premises of a money transmitting business which initiates an international money transfer for a consumer: (1) the exchange rate used in connection with such transaction; (2) the exchange rate prevailing at a major financial center of the foreign country whose currency is involved in the transaction; (3) all commissions and fees charged in connection with such transaction; and (4) the exact amount of foreign currency to be received by the recipient in the foreign country, which shall be disclosed to the consumer before the transaction is consummated.Requires further that such disclosures be prominently revealed in advertisements and receipts used by the business, and in the same language as that principally used by the business to advertise, solicit, or negotiate, at that office, if other than English.
[A]: A bill to amend the Electronic Fund Transfer Act to require additional disclosures relating to exchange rates in transfers involving international transactions.


[Q]: Authorizes military personnel who have completed at least six years of service and who agree to serve for at least four more years to transfer a portion of their entitlement to veterans' basic educational assistance to a spouse, child, or combination of such individuals. Limits the transferable number of months of such assistance. Requires the member to designate the dependent(s) to whom such assistance is being transferred as well as the number of months being transferred. Allows such members to make, revoke, or modify such transfers at any time. Requires a pro rata repayment of transferred assistance for any of the four-year service period not successfully served by the member (with exceptions in the case of member death or release or discharge for a service-connected disability, for hardship, or for a physical or mental condition).
[A]:
A bill to amend title 38, United States Code, to permit the transfer to spouses and children of a portion of the entitlement of certain members of the Armed Forces to educational assistance under the Montgomery GI Bill, and for other purposes.