If the IRS suspects fraud, they can go back as far as they want. But for 99 percent of the taxpayers, three years is enough. You don't need to keep them longer than that.

Transforming government requires a culture change. As the enterprise mindset is inculcated in state employees, hopefully it becomes a nonpartisan carryover from administration to administration.

We envision Minnesota's agencies and services as one enterprise. The administration is consolidating similar functions performed by many agencies (accounting and data processing, for example) into an efficient, enterprise structure. The result is more resources for providing front-line service to Minnesotans.

Some borrowers are pretty damn good at fraud.

It couldn't go under the underpasses.

That speaks to motive. If you're truthfully concerned about fraud, why are you not addressing something that everybody knows has been used for fraud? It doesn't add up.