Kent Conrad: “We must make tough choices and solve our own problems.”

The surviving spouse provisions are especially important with regard to offsetting some of the unfairness that exists elsewhere.

The new improvised system was not adequate.

What is realistic is to deal with these changes in a way that does expand access, that does expand the opportunity for people to participate in a retirement plan at work.

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