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.

I would say personally I would not go to a company advising me on wealth management that did not have it because I think whoever is advising me ought to have as their highest responsibility to be giving me advice that is in my interest.

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.

We create a basic minimum benefit that will apply to about 10 percent of Social Security.

If we are going to have tax-advantaged vehicles to encourage people to save for retirement, then the savings ought to be for retirement.

What happens is those people, if the children are not able to care for them, they are going into institutions, but where is that being paid for? Overwhelmingly, it is being paid for out of Medicaid accounts.

We had literally hundreds of people and groups come before this commission. We listened intently for all sides on how we could fix these challenges.

We have got to deal with these demographic realities.

Let me just say, you know, I come from a small business family.

This combination lifts a million people out of poverty.

What we have done is we recommend harmonizing withdrawal rules for 401(k)'s and IRAs.

If we are going to provide tax incentives for people to have retirement savings, then it should not be used as a piggy bank to pay for other things.