This report describes the economic conditions and budgeting practices that can lead to significant budgetary challenges. It also reviews options available to local and state governments and the federal government for addressing such financial difficulty.

Meaningful pension changes under way at state and local levels; federal intervention is unwarranted.

All communities are vulnerable to some type of disaster or emergency, and the response begins at the local level.

To truly be successful you must enter the realm of community-owned processes, and be prepared to listen, listen, and listen some more.