We did a whole series of things in our Social Security reform not to discourage people from working, but to encourage them to continue working if they are able to do so.

I do, and I made that argument to the commission, and others on the commission made some of the points that you are making now.

Fully 64 percent of the American people said they were worried about not having enough money for retirement.

I would just say in this whole area of lifetime income options, there is a tremendous opportunity here.

What is going to happen to all the truck drivers of America when we have self-driving vehicles?

the new improvised system was not adequate.

We owe it to these men and women to strengthen our retirement system.

If you had to reduce it to a word, I would reduce it to 'globalization.'

Things are changing very rapidly, and it presents us with a requirement to change how we envision retirement as well.

We tried to include some of these ideas in our Social Security reform package, to actually provide incentives in the system for people to continue to work.

What is realistic is to deal with these changes in a way that does expand access, that does expand the opportunity for people to participate in a retirement plan at work.

I think there is just a tremendous opportunity here, and I really applaud the two of you for doing this in a bipartisan way.

I wish I could look you in the eye and say, you know, if we just had the will, we could reverse this, and we could go back to a time when defined benefit plans were on the increase. I do not think that is in the cards.

I would say personally I would not go to a company advising me on wealth management that did not have it because I think whoever is advising me ought to have as their highest responsibility to be giving me advice that is in my interest.

We ought to reestablish this benefit for survivors and those affected by disability.

Thank you, Chairman Cotton, and thank you for being such a great partner in putting together this hearing on such a critical and important topic.

I think the component of all this--and it is like you can lead a horse to water, but can you get it to drink?

I wake up every morning thinking about the men and women in rural America, especially in North Dakota, who play hard, play by the rules, and try to earn an honest living and save for retirement--in fact, their golden years.