This Retirement Security Plan structure that we have suggested I think would go a long way toward dealing with these issues.

It is really very important. You know, what so make stakeholders told us is you have got to broaden this thing out.

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.

This combination lifts a million people out of poverty.

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

I watched as a new Senator your work as a Democrat on fiscal accountability. You, in fact, were a deficit hawk among Democrats.

There is going to be a 23-percent cut across the board by 2034.

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.

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

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

We have got to deal with these demographic realities.