Kent Conrad: “I was aware of national figures that showed the unemployment rate declining from 7.3 percent nationally to 5.1 percent…”

The consequence of failure has to be made clear.

The surviving spouse provisions are especially important with regard to offsetting some of the unfairness that exists elsewhere.

Millions of Americans are financially unprepared for their retirement.

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.