unemployment is hovering around 10%. >> unemployment is a problem and it's very difficult to get people to work longer when there aren't any jobs. once they solve that riddle, we have to ask people to work longer or simply there won't be money to pay the pensions. wel run out of money. whether it's social security or the state pension for teachers. seven is a good number. >> krista, your view on this. on one hand, many budget and debt experts suggest that raising retirement age to 66 for social security is a good idea, but how do you do that when jobs lost will never come back? >> i'm with peter on this. you have to remember that raising the retirement age is a long-term plan and it's always tempting to imagine that future economic conditions will be exactly the same as the ones right now. that's not the case. i think anyone who thinks they can predict what the shape of the economy will be in 2022 is someone who has a crystal ball that i certainly don't possess. what we can predict is