save is the alternative. if we don t have a retirement savings system that applies to all and is allows people to start at one company and move to another and continuously save, inevitab inevitably, we are going to see the data that jack had initially, where people do not have sufficient retirement savings, and they re going to come to congress and they re going to say, please, sir, we need more taxpayer benefits. we don t have the money for that right now. also endorsed by the brookings institution it s important. ms. miller, could you tell me why you ve endorsed the i.r.a. proposal that i ve offered? yes. we re very supportive, because it really does build on the current employer structure. and we think once employers first of all, people need to have an opportunity to save at work. and you just can t do that without having the employer involved. when you get over that hurdle, then we feel that once employers are used to doing payroll deduction, and feel comfortab