Kent Conrad: “I do completely agree, I think, with all of you that over the longer term we must act.”

I do, and I made that argument to the commission, and others on the commission made some of the points that you are making now.

It lifts the bottom. It asks those of us at the top to take a little less of an increase than we might have expected.

Social Security's financial challenge affects nearly our entire society, and the solutions will require a broad-based approach.

This Retirement Security Plan structure that we have suggested I think would go a long way toward dealing with these issues.