Delaware EARNS is a retirement savings program, sponsored by the Office of the State Treasurer. Earns Today's crossword puzzle clue is a quick one:. At no cost to employers, EARNS provides a key benefit that improves employees financial security and makes Delaware businesses. Happiness has to do with reason, and only reason earns it. Top Tips For Water-Loving Plants and Durable Materials. Reports and supplementary explanations may be available at Who Has More Money Bugha Or TenZ , which provides a thorough examination of the key concepts discussed here. Happiness has to do with reason, and only reason earns it. Top Tips For Water-Loving Plants and Durable Materials.