Kent Conrad: “I understand. I ask the manager, is there a way we can perhaps parcel out the time in a way that would be acceptable to…”

The consequence of failure has to be made clear.

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.

The one thing I know for sure is that what is happening now is not working.

If we are going to provide tax incentives for people to have retirement savings, then it should not be used as a piggy bank to pay for other things.