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

The bottom 20 percent of earners get a 35-percent increase over what is scheduled, a more than 60-percent increase over what is payable.

We have got to deal with these demographic realities.

You make very good points, by the way.

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

We also increase the payroll tax very modestly, from the current combined rate of 12.4 percent to 13.4 percent over 10 years.

That I like to call the 'Conrad provision.'

I sense there is a feeling here that we have got to get some of these things done that are hanging out there.

I would say to you, as I looked at this, I saw Social Security as the bedrock.

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

Forty-six percent of the American people would have a hard time coming up with $400 for an emergency car repair.