Question: retirement contributions for low- and moderate-income families.
Low- and moderate-income people do not contribute to their own retirement.

Answer: no

Question: uh i've got to go my son's in a performance tonight i have to leave in a couple of minutes uh i think we've probably spent a reasonable amount of time
Take your time, I have no where to be and we can talk all night.

Answer: no

Question: Its value is felt every day by someone who would otherwise be floundering around in the legal system yet dealing with very serious problems.
It once held value, but due to an efficient legal system, it is no longer needed.

Answer:
no