Kent Conrad: “When we talk about there being $78 billion in savings here on a net basis, you know, it is from an inflated baseline.”

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.

That I like to call the 'Conrad provision.'

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.

Fully 64 percent of the American people said they were worried about not having enough money for retirement.