Study of the policies designed to prepare for, respond to, mitigate, and recover from natural and technological disasters, accidents, or terrorist attacks. The federal government also matches employee contributions at a rate of a dollar-for-dollar up to 3% of their pay and then at 50 cents on a dollar for the next 2% of their pay. [278] [279] Each participating worker has an individual account into which his or her contributions are deposited. [280] If employees die, their assets are distributed to the people and/or entities they have chosen. [281] Workers are given a choice of ten government-approved investment funds managed by the private-sector firms BlackRock (formerly Barclays) and Mercer Investment Consulting. [282] [283] [284] * From 1926 through 2013, large company stocks (i.e., the S&P 500) appreciated by an average of 6.9% per year above the rate of inflation.

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