Kent Conrad: “We yield the time remaining. The PRESIDING OFFICER. The time is yielded. ____________________”

if we are going to make this whole system solvent, it is going to take everybody to give a little bit.

Millions of Americans are financially unprepared for their retirement.

If we are going to provide tax incentives for people to have retirement savings, then it should not be used as a piggy bank to pay for other things.

the new improvised system was not adequate.