Question: Before the 401(k) and IRAs, who took on the risk of saving for an employees retirement?

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

Answer: Employers

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. <hl> Employers took on all the risk — the stock market dropping, people living longer than expected. <hl> And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. <hl> Employers <hl> took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.


Question: What does the abbreviation IRA stand for?

Answer: Individual Retirement Account

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. <hl> And then along came new vehicles like the 401(k) and the Individual Retirement Account . <hl> These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the <hl> Individual Retirement Account <hl>. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

And then along came new vehicles like the 401(k) and the <hl> Individual Retirement Account <hl> .


Question: Before the 401(k) and IRAs, how long did a long term employee continue to be paid by their employer after retirement?

Answer: from the day they retired to the day they died

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. <hl> They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died . <hl> Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary <hl> from the day they retired to the day they died <hl>. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary <hl> from the day they retired to the day they died <hl> .


Question: Because 401(k) and IRAs are not guaranteed payments until death, they left people with the possibility of what?

Answer: outliving their savings

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. <hl> But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings . <hl> People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of <hl> outliving their savings <hl>. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions.

But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of <hl> outliving their savings <hl> .


Question: What incentive did investment advisers have for recommending high risk products to their clients?

Answer: high, frequently undisclosed commissions

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. <hl> People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with high, frequently undisclosed commissions . <hl>

Here is a short tale of how the way Americans save for retirement has changed over the last couple of generations. It helps explain what the Obama administration is up to with a new initiative this week: Once upon a time, companies took it as their responsibility to ensure that their workers could enjoy a comfortable retirement. They socked money away in a pension plan that paid longtime employees a healthy fraction of their salary from the day they retired to the day they died. Employers took on all the risk — the stock market dropping, people living longer than expected. And then along came new vehicles like the 401(k) and the Individual Retirement Account. These allowed ordinary Americans to take charge of their retirement savings themselves — to put money into tax-advantaged accounts and withdraw it when needed. But they also left people exposed to the vicissitudes of markets, the risk of saving too little or investing poorly, not to mention the possibility of outliving their savings. People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with <hl> high, frequently undisclosed commissions <hl>.

People were also at risk of getting advice from venal investment advisers guiding them toward investments with high fees or high risk because those products provided the advisers with <hl> high, frequently undisclosed commissions <hl> .


Question: The Labor Department said it would work to assign what to investment managers?

The Labor Department said on Monday that it would try to do something about that last problem. It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts. That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

Answer: fiduciary duty

The Labor Department said on Monday that it would try to do something about that last problem. <hl> It has set to work on rules that would assign a “ fiduciary duty ” to investment managers who handle retirement savings accounts. <hl> That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

The Labor Department said on Monday that it would try to do something about that last problem. It has set to work on rules that would assign a “<hl> fiduciary duty <hl>” to investment managers who handle retirement savings accounts. That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

It has set to work on rules that would assign a “ <hl> fiduciary duty <hl> ” to investment managers who handle retirement savings accounts.


Question: What was the Labor Department's announcement that they would be working to solve problems with managers of retirement savings accounts?

Answer: Monday

<hl> The Labor Department said on Monday that it would try to do something about that last problem. <hl> It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts. That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

The Labor Department said on <hl> Monday <hl> that it would try to do something about that last problem. It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts. That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.


Question: If a investment manager fails to make suitable recommendations to their client, what could happen to the manager?

Answer: could be sued

The Labor Department said on Monday that it would try to do something about that last problem. It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts. <hl> That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t. <hl>

The Labor Department said on Monday that it would try to do something about that last problem. It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts. That means that they would need to put their clients in suitable investment products, and <hl> could be sued <hl> if they didn’t.


Question: The new rules that the Labor Department is working on are targeted at investment managers who handle what?

Answer: retirement savings accounts

The Labor Department said on Monday that it would try to do something about that last problem. <hl> It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle retirement savings accounts . <hl> That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

The Labor Department said on Monday that it would try to do something about that last problem. It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle <hl> retirement savings accounts <hl>. That means that they would need to put their clients in suitable investment products, and could be sued if they didn’t.

It has set to work on rules that would assign a “fiduciary duty” to investment managers who handle <hl> retirement savings accounts <hl> .


Question: People are more likely to invest in a 401(k) if their employer does what?

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

Answer: automatically enrolls them

<hl> A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them . <hl> But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer <hl> automatically enrolls them <hl>. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer <hl> automatically enrolls them <hl> .


Question: Automatic IRAs would guarantee all employees save for retirement, but the employees would be left without the option to do what?

Answer: opt out

people cannot opt out .

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which <hl> people cannot opt out . <hl> That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot <hl> opt out <hl>. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.


Question: In what year did the IRS issues guidelines how to legally automatically enroll their employees in a 401(k) plan?

Answer: 2009

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. <hl> But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. <hl> And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in <hl> 2009 <hl> were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.


Question: What legislation did the President recommend that failed to gain traction in congress?

Answer: Automatic I.R.A.s.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. <hl> And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “ Automatic I.R.A.s. ” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. <hl> That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “<hl> Automatic I.R.A.s. <hl>” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “ <hl> Automatic I.R.A.s. <hl> ” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out.


Question: Which President was it that recommended passing Automatic IRA legislation?

Answer: President Obama

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. <hl> But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if President Obama gets his way. <hl> It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.

A wide range of research, for example, has found that people are far more likely to save through a 401(k) savings plan if their employer automatically enrolls them. But only in 2009 were I.R.S. rules put into effect to make clear that is an acceptable practice and what employers must do to make auto-enrollment legal. And the president has proposed more extensive legislation, which hasn’t gone anywhere in Congress, allowing “Automatic I.R.A.s.” This idea, floated years ago by the conservative Heritage Foundation, would create retirement plans run through employers in which people cannot opt out. That would ensure that everyone who works will accumulate retirement savings. The system of retirement savings as it exists today actually requires any American hoping for a comfortable standard of living to have a fair amount of foresight and financial savvy to save enough and put investments in appropriate vehicles. We’re not going back to the paternalistic days when your employer took care of everything and all you needed to do upon turning 65 was cash a pension check every month. But take these proposals together, and you can see a possible vision of what retirement savings in the 21st century might look like if <hl> President Obama <hl> gets his way. It will still revolve around tax-advantaged individual accounts invested in private accounts, with all the risk that implies. But the system may have a few more built-in safeguards to protect people from themselves.


Question: Where did readers acknowledge Heather Havrilsky's review of "Spinster: Making a Life of One's Own"

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.

Answer: Times Facebook page and on Twitter

<hl> Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). <hl> Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.

Readers responded on the <hl> Times Facebook page and on Twitter <hl> to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.


Question: What was the short phrase used for raising a family?

Answer: an adventure

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. <hl> If people only knew what an adventure trying to raise a family is. <hl> While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what <hl> an adventure <hl> trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.


Question: What will some lead unsatisfying lives because of?

Answer: pursuing the narcissistic fantasies

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. <hl> While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. <hl> I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives <hl> pursuing the narcissistic fantasies <hl> laid out here. I’ve tried it. . . . It’s a dead end. You’ll end up going crazy.


Question: What was one of the things readers had to say?

Answer: You’ll end up going crazy

You’ll end up going crazy .

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. <hl> You’ll end up going crazy . <hl>

Readers responded on the Times Facebook page and on Twitter to Heather Havrilesky’s review of “Spinster: Making a Life of One’s Own,” by Kate Bolick (April 19). Here’s what some of them had to say. If people only knew what an adventure trying to raise a family is. While this lifestyle may be fine for a few, I feel bad for all the impressionable people who will lead unsatisfying lives pursuing the narcissistic fantasies laid out here. I’ve tried it. . . . It’s a dead end. <hl> You’ll end up going crazy <hl>.


Question: What did the review say much about?

I liked this review, although it said a lot about the reviewer’s biases, too. For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

Answer: the reviewer’s biases

<hl> I liked this review, although it said a lot about the reviewer’s biases , too. <hl> For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

I liked this review, although it said a lot about <hl> the reviewer’s biases <hl>, too. For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

I liked this review, although it said a lot about <hl> the reviewer’s biases <hl> , too.


Question: Were there many men or women mentioned as both conventionally and not conventionally good looking?

Answer: women

I liked this review, although it said a lot about the reviewer’s biases, too. <hl> For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. <hl> But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

I liked this review, although it said a lot about the reviewer’s biases, too. For one thing, there are many <hl> women <hl> who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.


Question: In what state are these women despite not having men looking them up?

Answer: very happily single

I liked this review, although it said a lot about the reviewer’s biases, too. <hl> For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single . <hl> But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

I liked this review, although it said a lot about the reviewer’s biases, too. For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still <hl> very happily single <hl>. But the reviewer doesn’t seem to have met those women. I have, and they’re not hard to find.

For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still <hl> very happily single <hl> .


Question: Does or doesn't the reviewer seem to have met the types of women who are happy being unattached?

Answer: doesn’t

I liked this review, although it said a lot about the reviewer’s biases, too. For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. <hl> But the reviewer doesn’t seem to have met those women. <hl> I have, and they’re not hard to find.

I liked this review, although it said a lot about the reviewer’s biases, too. For one thing, there are many women who are and are not conventionally attractive, and who do and do not have men throwing themselves at them, but who are still very happily single. But the reviewer <hl> doesn’t <hl> seem to have met those women. I have, and they’re not hard to find.


Question: What kind of beer is starting to become available at ballparks?

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Answer: craft brews

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. <hl> Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. <hl> But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great <hl> craft brews <hl> are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.


Question: What goes with baseball, hot dogs and peanuts?

Answer: beer

<hl> Except that it’s beer , not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. <hl> I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s <hl> beer <hl>, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s <hl> beer <hl> , not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine.


Question: What is the stadium that doesn't have good beer?

Answer: Yankee Stadium

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. <hl> I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium , home of the team I’ve rooted for all my life. <hl> Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in <hl> Yankee Stadium <hl>, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in <hl> Yankee Stadium <hl> , home of the team I’ve rooted for all my life.


Question: What revolution was going on when the author reached drinking age?

Answer: craft beer revolution

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. <hl> I came of drinking age as the craft beer revolution was taking off in this country. <hl> I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the <hl> craft beer revolution <hl> was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.


Question: When do you have hope for the coming season?

Answer: spring

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. <hl> But spring is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. <hl> First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.

Except that it’s beer, not wine, that goes so naturally with baseball, hot dogs, peanuts and conversation, especially under the ideal conditions of afternoon sunshine. I came of drinking age as the craft beer revolution was taking off in this country. I am sad to say that I’ve very rarely had a good beer in a ballpark, certainly not in Yankee Stadium, home of the team I’ve rooted for all my life. Even as great craft brews are available in many ballparks around the country, Yankee Stadium has remained in thrall to the big distributors, squeezing out all but corporate products. But <hl> spring <hl> is the season of unrealistic hopes, so I can fantasize how I’d stock my ideal concession. First, as a ballgame generally calls for multiple beers, you wouldn’t want the heavy hitters, contemplative barley wines and other high-alcohol brews.


Question: What style of beer are Milwaukee and St. Louis famous for?

And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

Answer: American lager

<hl> And we can’t neglect good old American lager , the beer that made Milwaukee, St. Louis and so many other brewing centers famous. <hl> My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

And we can’t neglect good old <hl> American lager <hl>, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

And we can’t neglect good old <hl> American lager <hl> , the beer that made Milwaukee, St. Louis and so many other brewing centers famous.


Question: What beer style have big brewers altered?

Answer: lagers

And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. <hl> My ballpark concession would absolutely require a couple of good lagers , even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. <hl> To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. My ballpark concession would absolutely require a couple of good <hl> lagers <hl>, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

My ballpark concession would absolutely require a couple of good <hl> lagers <hl> , even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat.


Question: What ingredients have big brewer's used in place of malted barley?

Answer: rice and corn

And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. <hl> My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn , to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. <hl> To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like <hl> rice and corn <hl>, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like <hl> rice and corn <hl> , to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat.


Question: What are two famous American brewing cities?

Answer: Milwaukee, St. Louis

<hl> And we can’t neglect good old American lager, the beer that made Milwaukee, St. Louis and so many other brewing centers famous. <hl> My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.

And we can’t neglect good old American lager, the beer that made <hl> Milwaukee, St. Louis <hl> and so many other brewing centers famous. My ballpark concession would absolutely require a couple of good lagers, even if this style has been denatured by big brewers, who have used adjuncts to malted barley, like rice and corn, to create so banal a product it can only be enjoyed icy cold, bottle to forehead in the brutal heat. To the endlessly creative American craft brewer, plain old lager may not seem particularly exciting. Decades ago, with so many great styles of beer left moribund by industrial brewers, craft brewers had compelling reasons to concentrate elsewhere. But little by little, American craft brewers have now taken up the challenge.


Question: What is the other major form of beer beside lager?

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

Answer: ales

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? <hl> Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales . <hl> Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with <hl> ales <hl>. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with <hl> ales <hl> .


Question: Who is the famous landscape painter?

Answer: Bob Ross

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. <hl> It’s a little like the syndicated-television landscape painter Bob Ross , who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” <hl> That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter <hl> Bob Ross <hl>, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

It’s a little like the syndicated-television landscape painter <hl> Bob Ross <hl> , who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.”


Question: Of the two main styles of beer which is harder to produce?

Answer: lagers

We all agreed signs pointed toward a lager renaissance. <hl> “It’s just a cool time for lagers ,” Chase said. <hl> Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for <hl> lagers <hl>,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

“It’s just a cool time for <hl> lagers <hl> ,” Chase said.


Question: What section of brewing are lagers commonly associated with?

Answer: industrial brewing

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? <hl> Aside from an initial distaste for diving into the style that epitomized industrial brewing , many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. <hl> Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized <hl> industrial brewing <hl>, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than fruity, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

Aside from an initial distaste for diving into the style that epitomized <hl> industrial brewing <hl> , many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales.


Question: What is a natural flavor that is a characteristic of ales?

Answer: fruity

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. <hl> Minimalist lagers, in general, are more difficult to produce than fruity , complex ales. <hl> They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

We all agreed signs pointed toward a lager renaissance. “It’s just a cool time for lagers,” Chase said. Why now? Aside from an initial distaste for diving into the style that epitomized industrial brewing, many early craft brewers had other reasons for avoiding lagers, one of the two major forms of beer, along with ales. Minimalist lagers, in general, are more difficult to produce than <hl> fruity <hl>, complex ales. They are subtle, demanding more precision and more specialized equipment. Ales, by contrast, tend to be more forgiving of errors. It’s a little like the syndicated-television landscape painter Bob Ross, who would earnestly advise turning an accidental blob of paint on canvas into “another happy tree.” That works for ales, but with minimalist lagers, that ugly blob stands out as a flaw.

Minimalist lagers, in general, are more difficult to produce than <hl> fruity <hl> , complex ales.


Question: Helles and Dortmunder lagers orginated where?

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Answer: German

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. <hl> Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. <hl> We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to <hl> German <hl> styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.


Question: What style of beer typically falls in the range of 4.5 to 5.5 percent alcohol?

Answer: lagers

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. <hl> Our solution was to include golden and amber lagers , equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. <hl> We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber <hl> lagers <hl>, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Our solution was to include golden and amber <hl> lagers <hl> , equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner.


Question: German styles like Helles and Dortmunder are equivalent to which lager styles?

Answer: golden and amber

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. <hl> Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. <hl> We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include <hl> golden and amber <hl> lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.


Question: Which brewers are known for bending and twisting beer styles?

Answer: American

<hl> Defining “ American lager” was difficult. <hl> American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “<hl> American <hl> lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “ <hl> American <hl> lager” was difficult.


Question: Commercial style lagers commonly use what kind of adjunct?

Answer: cereal

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. <hl> We also tried, not entirely successfully, to exclude lagers that used cereal adjuncts in the industrial style. <hl> As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.

Defining “American lager” was difficult. American brewers like nothing better than bending and twisting beer styles, so vague terms like American lager bleed into more specific forms of lager like, say, pilsner. Our solution was to include golden and amber lagers, equivalent to German styles like Helles and Dortmunder, while excluding beers labeled pilsner. We also tried, not entirely successfully, to exclude lagers that used <hl> cereal <hl> adjuncts in the industrial style. As I said, it’s hard to be precise. Almost all were 4.5 percent to 5.5 percent alcohol.


Question: How should the bandwidth of lagers be defined?

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

Answer: narrow

<hl> The bandwidth of lagers is rather narrow , but they have their refreshing role to play. <hl> None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

The bandwidth of lagers is rather <hl> narrow <hl>, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

The bandwidth of lagers is rather <hl> narrow <hl> , but they have their refreshing role to play.


Question: What beer does Atlas Brew Works produce?

Answer: District Common

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. <hl> Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. <hl> The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter <hl> District Common <hl> from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.


Question: What beer does Ninkasi Brewing make?

Answer: Venn Dortmund-Style Lager

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. <hl> Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. <hl> The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy <hl> Venn Dortmund-Style Lager <hl> from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.


Question: Of the beers discussed which had the lowest alcohol at 3.9 percent?

Answer: The Lawnmower

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. <hl> The Lawnmower , by the way, was the lowest in alcohol in the tasting at just 3.9 percent. <hl>

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing. <hl> The Lawnmower <hl>, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

<hl> The Lawnmower <hl> , by the way, was the lowest in alcohol in the tasting at just 3.9 percent.


Question: Who brews The Lawnmower lager?

Answer: Caldera Brewing

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. <hl> Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from Caldera Brewing . <hl> The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

The bandwidth of lagers is rather narrow, but they have their refreshing role to play. None did it better than our No. 1 brew, Session Premium Lager from Full Sail Brewing, clean, crisp, lively and fresh. Session, surprisingly, is not made entirely of malted barley. It uses a touch of malted wheat as well. Apparently, lager producers have found ways to be creative without exploding the genre. Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from <hl> Caldera Brewing <hl>. The Lawnmower, by the way, was the lowest in alcohol in the tasting at just 3.9 percent.

Other beers well worth seeking out include the pleasantly bitter District Common from Atlas Brew Works; the golden, malty, hoppy Venn Dortmund-Style Lager from Ninkasi Brewing; the lively, lightly bitter Dortmunder Gold Lager from Great Lakes Brewing; and the fresh, grassy Lawnmower Lager from <hl> Caldera Brewing <hl> .


Question: What is the price of Venn Dormund-Style Lager?

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2

Answer: $2, 12 oz

( $2, 12 oz .)

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. <hl> ( $2, 12 oz .) <hl> GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. (<hl> $2, 12 oz <hl>.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2


Question: Where is Samuel Adams Boston Lager brewed?

Answer: BOSTON/CINCINNATI

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) <hl> SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2 <hl>

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, <hl> BOSTON/CINCINNATI <hl> ★★1/2


Question: Where is Great Lakes Brewing located?

Answer: CLEVELAND

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) <hl> GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. <hl> ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, <hl> CLEVELAND <hl> ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2


Question: Who brews Lawnmower Lager?

Answer: CALDERA BREWING

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. <hl> ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. <hl> ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. ($1.70, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) <hl> CALDERA BREWING <hl> LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2


Question: What is the price of Dortmunder Gold Lager?

Answer: $1.70

( $1.70 , 12 oz.)

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. <hl> ( $1.70 , 12 oz.) <hl> NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2

Amber, hoppy aroma but not overbearing; pleasantly bitter and deliciously refreshing. (<hl> $1.70 <hl>, 12 oz.) NINKASI BREWING VENN DORTMUND-STYLE LAGER, EUGENE, ORE. ★★1/2 Golden, aromas of malt and hops, balanced and refreshingly bitter. ($2, 12 oz.) GREAT LAKES BREWING DORTMUNDER GOLD LAGER, CLEVELAND ★★1/2 Pale amber, lightly bitter, with lively flavors of malt and hops. ($1.70, 12 oz.) CALDERA BREWING LAWNMOWER LAGER, ASHLAND, ORE. ★★1/2 Golden with grassy aromas, fresh, subtle and pleasantly bitter. ($1.90, 12 oz.) SAMUEL ADAMS BOSTON LAGER, BOSTON/CINCINNATI ★★1/2