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Diverting money away from Social Security and into individual accounts is risky and involves trading some of today 's inflation protected , lifetime guaranteed benefit for an account subject to market risk and not guaranteed to last a lifetime or keep pace with inflation . " This is important in light of the rapid growth of older people in the population and the complexity of evaluating older patients , " says Gabor Kelen , M.D ., the study 's senior author and director of emergency medicine at The Johns Hopkins Medical Institutions . We put a major stake in the ground with the introduction of Digital One Rate * service : a single , all-inclusive rate for wireless voice customers . At the same time , libraries are serving as a hub of information for adults , families and small businesses , especially in rural areas .