You know, we met with a Congressman on the Ways and Means Committee this morning, and we were on a subject related to this. You really see it with our elderly people who do not have options or options are closing in on them.

This combination lifts a million people out of poverty.

We very much see it as a package. That is the way it was negotiated, and this was a difficult negotiation to get 18 of the 19 to agree representing all points on the political spectrum.

What we have done is we recommend harmonizing withdrawal rules for 401(k)'s and IRAs.

What happens is those people, if the children are not able to care for them, they are going into institutions, but where is that being paid for? Overwhelmingly, it is being paid for out of Medicaid accounts.

Overwhelmingly, they say this is their biggest concern--their retirement security, and, overwhelmingly, they want us to act.

We had literally hundreds of people and groups come before this commission. We listened intently for all sides on how we could fix these challenges.

You know, there are really three places where there are dramatic changes here.

We have got to deal with these demographic realities.

It is really very important. You know, what so make stakeholders told us is you have got to broaden this thing out.

I watched as a new Senator your work as a Democrat on fiscal accountability. You, in fact, were a deficit hawk among Democrats.

I have seen retired schoolteachers have to go back to work in their 70's after their husbands have died or their wives have died.

I sense there is a feeling here that we have got to get some of these things done that are hanging out there.

I would say to you, as I looked at this, I saw Social Security as the bedrock.

You know, they are scared, and it makes them freeze.

Organize and educate I think are the two keys to getting anything big through Congress.

I very much look forward to hearing from this panel in regard to the legislation that we are proposing here.

So we have to find some way to pool our resources. I am hopeful this bill will help us do that.