Kent Conrad: “Fargo needs room to grow. Fargo's natural path, one of the significant paths is south.”

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

I would just say our Retirement Security Plans and our Retirement Security Clearinghouses are responding to the underlying dynamic that Professor Mead has done such a good job in describing.

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

The bottom 20 percent of earners get a 35-percent increase over what is scheduled, a more than 60-percent increase over what is payable.