A manifesto for democratic and responsible capitalism.How the affluent nations of the world could eradicate pensioner poverty within their national borders and increase economic prosperity for all without incurring significant monetary or fiscal pain. The book offers a comprehensive battle plan. A ten-step program that begins to address and resolve the network of interlinked challenges that society needs to confront. The book provides a systematic coherent strategy that will help organise retirement funds in successful, productive and independent economic units which would have the power to help stabilise free market economies as well as guarantee comfortable retirement to all.The book makes the point that only longterm planning and a deep commitment to the resolution of the current economic crises could eventually produce a significant reduction in the frequency and intensity of economic cycles and create an enterprise growth oriented economy with more opportunity for all.The book is also introducing a new market forces orientated economic model called Qumulism. Qumulism is composed from combining the words Community and Accumulation. Qumulism will be achieved by merging the vast wealth creating potential of an ambitious community working together to employ the power of market forces under the guidance of the proposed Ten Pillars Program. Qumulism is an intelligent, affordable, market forces based solution to two of our most pressing economic challenges: Funding pensions for all and developing a more robust and sustainable economic model for our society. Qumulism has the potential - over time - to halt the ever expanding volatility of the global economic model, offer a relatively low cost solution to the pensions and economic and social 'time bomb' and allow the citizenship as a whole an opportunity to benefit from the fruits of greater economic prosperity.Qumulism is a modified and tempered capitalistic economic model which was designed to harness the best of the potential of the 'forces of the market', of constant investment and of constant economic growth in order to achieve far greater economic and social sustainability and stability.