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

Millions of Americans are financially unprepared for their retirement.

Well, you got a terrific one with her.

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.

We tried to include some of these ideas in our Social Security reform package, to actually provide incentives in the system for people to continue to work.