Kent Conrad: “Could we do 4 minutes? Because we have a bit of a time constraint, could we do 4 minutes?”

The one thing I know for sure is that what is happening now is not working.

We did a whole series of things in our Social Security reform not to discourage people from working, but to encourage them to continue working if they are able to do so.

Millions of Americans are financially unprepared for their retirement.

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.