i beg byard and adopted a features account, which is based on the principle every year a child is alive he would deposit or thousand dollars into a features account. at age 18, the child would have access to the future adult now for chronological adults, whatever accessory features account. you can use the money for two things. a surprisingly based on the g.i. bill, access to higher education. does not to be a university. postsecondary education or you could use the money for housing. the cumulative $54,000 a year, which not coincidentally has what it would cost for one year at penn or a state-supported institution. $54,000 interestingly enough is a little bit by the 20% of the meeting the price of a house in the united states. so it is the new g.i. bill for american children in 2012. it is not infested. everybody gets it. it can be used for two things and to do two things that are. although i can help children from zero to 18, i can at least reset the game at age 18. it's a restart. so with all disadvantage that have been at least it has the financial wherewithal to be a homeowner or t