guest: the longer they wait, the more ciccone and a measure they will have to take. if you wait 10 years to deal with this, you will have to have a significant decline in benefits. you will have to have a significant rise in either borrowing or taxes to pay for this. if you start to deal with it now , it is like any of the rest of us planning our budgets. if you plan and adjust things over time, it is easier to deal with. if you wait until the crisis, you run the risk of disruption and credit markets, the economy. if we did not pay off the full social security benefits in 10 years, we would probably go into a recession and all these recipients would have a drop in their income and they would slow down their spending significantly. you have to plan ahead, not just wait until there is a crisis than try to deal with the crisis. host: i want to invite viewers to join in on this conversation, we are talking about the drivers of debt. one of the reasons why the credit rating downgraded the u.s. credit rating, we want to get your thoughts. republicans (202) 748-8001, democr