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.

Because of their low earnings and family obligations, Latinas would not be putting much money into private investment accounts. An average Latina could wind up losing thousands of dollars under this proposal.

Latinos are disproportionately more likely to be injured on the job than other ethnic groups.

The president's claim that Social Security is going broke is misleading at best. The sky is not falling, although there is no doubt that the system needs to be strengthened.

President Bush has consistently used rhetoric, and that is not convincing given his past record.

Social Security has been effective for 70 years; prior predictions of its demise have been totally overstated.

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