In most cases, allowable uses of CSAs are limited to higher education initially, with some allowance for homeownership, entrepreneurship, or other capital investment later. Although, more recent proposals for CSAs also include tiered structures so that children could access some savings while still in school, in order to close the gaps between disadvantaged and wealthier children, in terms of access to important educational inputs like computers and enrichment activities. A national CSA policy would likely include initial, publicly-funded deposits for all children, ideally at birth, with some progressive features to facilitate saving by low-income families.