And we do, all of us, share a common goal. We all want every working american to be able to save for a dignified, wellfinanced retirement. I trust we all agree that it is in the interests of every American Business to see every working american have a real ownerships take in the American Enterprise. I am very confident that these two goals can be achieved in tandem by strengthening both are public and private Retirement Systems and the that make thems successful. There is too much knowledge in this audience today to really talk about retirement saving shortfalls, woes, and problems, and we know there is a serious risk arising over poverty if we do not ask soon to shore up our public and private Retirement Systems and lift americas Retirement Savings rate. That is why we are here this morning. The most salient point i want to make today is that we are actually much closer to solving americas retirement challenge than i think most everyone realizes. In the workplace savings arena at leas
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