Kent Conrad: “I believe some of those people ought to go to jail.”

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.

That I like to call the 'Conrad provision.'

Things are changing very rapidly, and it presents us with a requirement to change how we envision retirement as well.

It takes guts to do that, and Chairman Arrington, you have certainly led the charge on having a commission.