Ben Cardin actually said...

"the risk of an insecure retirement is especially acute for women, for minorities, and for lower-income Americans."

"We have to, first, protect Social Security, make sure it is strong and remains strong."

"The Saver's Credit has worked. Millions of Americans today have retirement accounts who would not have retirement accounts but for the Saver's Credit."

"The automatic enrollment feature where you have to opt out has also been effective."