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The Commission has yet to implement it properly , despite repeated opportunities . Although they can be costly , HECMs are generally less expensive than privately-insured reverse mortgages . The current standard procedure , removing both adrenal glands , has a high complication rate . Thus , for example , wireless carriers will be required to pay proportionately higher costs , despite the fact that they have received no access charge reduction . Unlike support based on book costs , support based on forward-looking costs will not support inefficiencies in a carrier 's network , better reflects conditions in a competitive market , and sends the correct signals for entry , investment , and innovation in the long run . But it is also true that in the aftermath of the tragedy , the people of Jefferson County , Colorado , turned to the Internet to connect with those who had previously experienced the same kind of tragedy in Paducah , Jonesboro , Springfield , and elsewhere , and they were embraced by the empathy of the whole nation in part through e-mail . As we've seen in the first year of the program alone , the E-Rate is making a real difference in our schools by providing needed resources that were previously not available or not affordable . The issue is not whether , despite massive tax increases that just offset decreases in federal access fee and charges , IXCs have no net differences in costs .