Kent Conrad: “I am pleased to yield 30 minutes to the Senator from Massachusetts after the Senator from West Virginia has concluded.”

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

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.

Millions of Americans are financially unprepared for their retirement.

We did a whole series of things in our Social Security reform not to discourage people from working, but to encourage them to continue working if they are able to do so.