to retire at 67 under current law. maybe i have to retire at 68 or 68 1/2. the truth is, people in my generation are going to be very productive well into their 70s. the fact of the matter is, if we don't do changes like that, the program won't exist. it will be bankrupt. >> would you change it from defined benefits as it is now, to just the savings account which many in the gop suggest you control your own money and you get out of it what you wind up putting into it, versus an investment? >> yeah, i think the time for that really has passed. particularly after the instability we've seen in the years past in the stock market and so forth. i think we leave it as a defined benefit at this point. i want to make it easier for people to be able to invest money in like we said, like a 401(k) or something of that nature. i talked about changes that we can make there as well. one of the questions raised last night was millions of americans that don't have access to a vehicle. if you work for an outfit that