Scott A. Bass is Director of the Gerontology Institute, University of Massachusetts at Boston. He is also Director of the PhD in Gerontology Program, one of two in the country, and chair of the Gerontology Department. He is a Professor and a founder of the Gerontology Certificate Program in the College of Public and Community Service, a model for the training of students over 60 years old for careers in aging and social policy. Under Dr. Bass's leadership, the Gerontology Institute has grown in one decade to a nationally recognized research and policy institute devoted to the problems of our aging society. Francis G. Caro is Director of the Frank J. Manning Research Division of the Gerontology Institute, University of Massachusetts at Boston, and is a member of the faculty of the PhD program in Gerontology. Formerly Director of Reserach for the Community Service Society of New York, a major private social welfare agency which among other things is engaged in policy research on problems of the poor in New York City, he is an internationally recognized expert on long-term care and urban policy. Yung-Ping Chen is the first holder of the Frank J. Manning Eminent Scholar's Chair in Gerontology at the University of Massachusetts at Boston, and a member of the faculty of the PhD program in Gerontology. Previously, he was the first occupant of the Frank M. Engle Distinguished Chair in Economic Security Research at American College in Bryn Mawr, Pennsylvania. Recipient of a Warren C. Scoville Distinguished Teaching Award (Economics) at the University of California at Los Angeles where he taught for many years, he earlier held a Brookings Research Professorship, Brookings Institute, Washington, DC.