Susan Collins: “My final question, because I know that we do need to adjourn, concerns the capital reserve ratio.”

It’s a critical program and the foundation of retirement income for most Mainers, and I’ve voted repeatedly to preserve it.

I am pleased that these funds are being released to help Mainers afford to heat their homes this winter without having to choose between staying warm and paying for other basic necessities.

It needs reform, not to be abolished

I believe that we should create a commission of independent financial experts to give us advice on what should be done.