When it comes to horses, even the most cynical of souls has a hard time not falling for the large eyes and dynamic ears of a Thoroughbred. We are captivated by their hearts on the track and their personalities off of it, their faces as familiar to us as those of family and friends. They become a part of our racing lives and their welfare beyond their time in racing matters to us all. Enter organizations like California Retirement Management Account, or CARMA.