Kent Conrad: “The message, as I understand it, is that they want to send a clear and unmistakable signal to the Congress and to the…”

I would just say our Retirement Security Plans and our Retirement Security Clearinghouses are responding to the underlying dynamic that Professor Mead has done such a good job in describing.

Things are changing very rapidly, and it presents us with a requirement to change how we envision retirement as well.

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.

You know, we met with a Congressman on the Ways and Means Committee this morning, and we were on a subject related to this. You really see it with our elderly people who do not have options or options are closing in on them.