plans. It also lobbies officials and the media to advocate for improvements in the retirement savings system. In 2010 it became mandatory for all employed persons in Israel to contribute to retirement savings, as implemented through the payroll system. Retirement savings of between 5% and 7% of gross wage are subtracted from the monthly salary of employees and transferred to their retirement savings accounts. Employers are also mandated to contribute to these accounts at the rate of 6%-13% of gross salary. The retirement savings accounts are owned and managed by insurance companies and investment houses. Management fees are for these accounts are extremely high, eroding as much as 30% of a person's savings. Agents at insurance companies and banks have also been found to aggressively offer advice - for additional fees - which put employees at a loss. Additionally, investment committees without any employee representation place most of the monies in the highly volatile capital market, with no guaranteed minimum annual return. Education Adva has produced a series of policy papers on education reform. Most recently, the August 2011 paper titled "Education Reform: Making Education Work for All Children" argues that the current functioning of the Israeli school system perpetrates inequality and poor achievements among most schoolchildren in a multigenerational trend. The analysis is based on the belief that all Israeli schoolchildren are capable of attaining normative achievements, and that the school system can be changed to enable them to do so. Main tenets of the proposed reform include: Eliminating tracks, or groupings by ability, in all public school classes. Providing support systems in each school for students needing assistance. Ending the suspension and expulsion of students in any way. Teaching Israel's full core curriculum in every school and reaching normative achievement in the core subjects. Fostering a school environment that is open to the historical and cultural narrative of the local community, its language and music, the work world of the parents, the religious patterns of the community, and the norms and mores of its interpersonal and social behavior. This includes revising history and literature courses so that all students can identify themselves, their families, and their communities on the map of Israel – present, past, and future. Israeli–Palestinian conflict The Center releases a semi-annual report called "The Costs of Occupation". The publication provides data on the relationship between the Israeli–Palestinian conflict and Israel's economic growth, its budget, its