Kent Conrad: “Senator Collins, there is a third commission approach that has been proposed by our colleagues.”

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.

Social Security's financial challenge affects nearly our entire society, and the solutions will require a broad-based approach.

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.