Kent Conrad: “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.”

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

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

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

I have seen retired schoolteachers have to go back to work in their 70's after their husbands have died or their wives have died.