This is a large chunk of the employees' income.

Since the federal individual income tax imposes the largest tax burden on the broadest group of farmers and the federal estate tax can affect the ability to transfer the farm operation to the next generation, these changes are of considerable importance to the farm community.

Employees are anxious and terrified.

The content changes every year. But the concept is to provide employees an incentive for maintaining or adopting healthy habits,

The trend from defined-benefit to defined-contribution plans has not come because employees have wanted to take on that risk. It's because employers have wanted to get rid of that risk.

We confirm to you this income will be used to pay the salaries of [government] employees and fund daily running costs and infrastructure. You [donors] can confirm this through a mechanism that can be agreed upon.