Kent Conrad: “I have a lot of hope that we can find consensus on this issue.”

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.

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.

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.

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