Kent Conrad: “This growth is real today.”

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.

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

That I like to call the 'Conrad provision.'

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