CARBON IRA: YOU-TILITY ? the radical idea you've never heard of Big challenges call for big ideas. According to the most recent IPCC report, we have just over a decade before we reach the tipping point of climate catastrophe, potentially displacing tens of millions of people, causing radical changes to food systems, and possibly leading to mass species extinction. Current policy prescriptions are going nowhere. It's time for radical thinking.? CARBON-FREE ELECTRICITY IS THE KEY The science is clear: Humans are driving unprecedented climate change. Electricity and transportation represent over half the cause. But electricity is also the solution. We all consume electricity, and we must all be responsible for pushing toward carbon-free sources. REWARD CARBON REDUCTION Converting avoided carbon into long-term retirement savings pulls the economy toward solutions that address climate realities, creates new job opportunities, and secures our financial futures.