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.

That I like to call the 'Conrad provision.'

You know, they are scared, and it makes them freeze.

We all know that Social Security is going to have to be dealt with, or we are going to face by 2034 at the latest--many of us believe it will be earlier than that---an across-the-board 23-percent cut.

You make very good points, by the way.

You know, we did have discussions. One of the things on this commission, because of its makeup and the diversity of views on this commission, and the extraordinary difficulty of coming together on Social Security, which we thought was the…

Organize and educate I think are the two keys to getting anything big through Congress.

Well, you got a terrific one with her.

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

It was incredibly important that we not only made Social Security solvent, but we lifted the bottom 20 percent dramatically.

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.