Kent Conrad: “I have come to the conclusion--this is critically important--that is that right now the reimbursement system is based on…”

All the talk in the world doesn't matter if you don't actually get something done in the real world.

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.

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.

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.