We did have a chance to look at what you and the Congressman have offered, and we think that makes a significant contribution to this discussion and debate, and we appreciate that.

We have got to deal with these demographic realities.

This combination lifts a million people out of poverty.

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.

I have seen retired schoolteachers have to go back to work in their 70's after their husbands have died or their wives have died.

People are smart, and if you just share with them the basic information, a lot of people will make a good decision.

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

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

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.

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.

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