Mark Neumann: “Right. Today, there are three people for every one person drawing out of the Social Security system. By the year 2010 it…”

“Right. Today, there are three people for every one person drawing out of the Social Security system. By the year 2010 it will be two people for every one person drawing out. You can see how that very rapidly reaches a point where you cannot take enough money out of that one paycheck, or those two paychecks, to pay one person's Social Security. That is the problem. Long term, there is a shortfall and we have an inability to pay the amount out in Social Security that has been promised to our senior citizens. This really brings into the discussion the people that are in their 40s and 50s. This honesty issue and this reporting it straightforward and setting the money aside, it is not only about the senior citizens of today, it is about people in their forties and fifties who are today putting about $12 out of every $100 they earn into this Social Security account with the expectation that when they get there, when they are 65, 66, 67, that they will then receive their Social Security checks. You see, if we do not accumulate this kitty the money will not be there to make good on their checks. I can give my colleagues some dates on this. By the year 2012, in the year 2012 there is no longer enough money coming in to make the payments back out, and that assumes a solid economy. That is kind of a best case scenario. And we all know in Washington when they give you a best case scenario, we are probably looking at the year 2005, 2006.”