Ben Cardin actually said...

"I do not think the IRA will substitute for an employer-provided incentive to save."

"I have some concerns, putting it mildly."

"I am deeply disappointed. We have gone through this many times in the last year or so, and I thought we had reached some understandings on Federal retirement contributions."

"I think the budget that you have presented is balanced in that you look at ways in which we can manage our deficit and get it to a responsible level."