Kent Conrad: “Thank you, thank you very much for what you have just done in North Dakota to change the sulfate standard in the Upper…”

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.

If you are really going to relieve me of the administrative burden, if you are going to really relieve me of the liability, if you are going to really relieve me of the cost other than the payroll transfer.

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

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.