Kent Conrad: “Since 2005, we have gone down from 60-percent dependent to 45-percent dependent last year.”

Forty-six percent of the American people would have a hard time coming up with $400 for an emergency car repair.

I would say personally I would not go to a company advising me on wealth management that did not have it because I think whoever is advising me ought to have as their highest responsibility to be giving me advice that is in my interest.

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.