Hi Froma

I don't necessary wish to question the authority of Mr. Baker or your sole reliance on his judgement. However, I think there might possibly be equally credentialed Economists who might warn that waiting till the last minute to fix a problem that everyone agrees will need fixing by date X is not the best way to plan ahead. And Social Security is all about planning ahead.

It appears that the most dedicated 'planning' RE Social Security that is presently afoot is being done by the Wall Street Investment bankers trying to figure out how they can get their paws on the trillion-dollars (or so) trust fund... no doubt in order to assess a nice little management fee.