if we are going to go forward on resource management plans, which require significant additional resources, and if the budget is cut, and if the current projects in the forest are greatly underfunded as it is, doesn't this mean just…

One of the things that I wanted to address was the budget for the O&C lands that are in Oregon.

It took 4 years and 4 months for the FDA to send it to OMB which, to me, is an egregious amount of time.

Well, I'm just asking you to make your agency as visible as possible with OMB for their review to be completed.

Thank goodness you passed that bill, because we used to have a stream of people coming to the food bank who were driven into bankruptcy by payday loans and now we do not.

In Oregon, we have a 36 percent cap, and we put it in place in 2007.

Point taken. Let me turn to the auto-enrollment.

So I have 1 minute before I turn this conversation back over.

I think that it helps me get my hands around how significant those monthly payments are, or even a modest private sector pension, how it is equivalent to a sizable amount of savings.

I believe there would be a strong interest in it, Senator.

I hope that as your task force proceeds, that my team can stay in contact and share that with the Committee because I think that would be relevant.

I should expand to if anyone has comments on the myRA, which the President put in his State of the Union as one approach to fill in for folks who do not have access to retirement plans.

Hard-working Americans will not have to live in fear of their old age.

Many young workers find themselves with yet another growing impediment in the form of ballooning student loans.

I would love to see that be 2 percent.

Social Security is the foundation of so many Americans' retirement.

When you use auto-enrollment and auto-escalation, we find it to be the great equalizer.

I strongly agree that we can do more to strengthen this program.

The American dream is a powerful concept that has driven generations of Americans to strive for a better life.

Social Security provides, on average, about 40 percent of income for seniors and disabled Americans.

I think we do need much better disclosure.

So one idea that I recall from the Card Act debate--and this may have been Senator Wyden's bill, but if it is not, Senator Wyden, do not take offense.

It is my impression that a significant number of fees are taken off the top before the returns are distributed.

To clarify, are you saying the revenue-sharing payments went to the employer or to the original sales force?

Washington's actions, particularly concerning Social Security, will have an increasingly profound effect on whether our dream of a secure retirement matches the reality.