We must take the time to do what needs to be done now, what is right, instead of passing a bad bill.

I am not criticizing investing in the stock market; I am an investor.

We must work to stabilize Social Security. We must not gamble with our nation's social insurance program, one of our most popular and effective federal programs that has remained dependable and stable for the past 70 years.

There is a need for Social Security reform to ensure its stability, and Congress must act.

Because of my own experience with market fluctuation, I recognize the great risks one takes on investments. This converts the Social Security safety net into a risky proposition many cannot afford to take.

If Congress doesn't raise taxes, you cannot get a private investment account without forgoing a portion, possibly all, of your guaranteed benefit check.

Our political leaders must be honest and forthcoming with data that will allow citizens to use facts and figures to judge for themselves what state Social Security is in.