Well, Gloria, first of all, we are not letting people go out and invest their own money individually. They will set parameters for safety and soundness. Politicians that yet may be unborn can actually reduce or eliminate Social Security benefits today. Real security comes from ownership. But if you create wealth, if there is investment, then interest is earned, wealth is created, and that wealth pays benefit.
Workers can invest their money for their retirement.
Now, Senator Kerrey, as I understand it you say invest two percent, but you say if you don't want to do that you have the option of taking one percent back as sort of a tax cut. Well, I would actually prefer mandatory. Senator Moynihan wrote it as a voluntary system, and I signed on as a co-sponsored, because 90 percent of what he has got in the bill I support. So the difference between what Phil has got and what Pat and I have in our legislation is not very great. What we both agree needs to occur is that the Social Security system become a source of wealth.