dr. hartmann and dr. nathan. what do you think a reduction in social security benefits would mean for seniors in this country? ms. ruggles? >> they seniors that i deal with and especially the ones that i talked to at the vermont training associates, they are all terrified. plain and simple, terrified to expect to live on the earnings statement which unfortunately we no longer get. but you know, their standard of living, they were working adults and all of them that i was at these meetings with, they were working adults. these aren't bums just standing around waiting for handouts. these were hard-working people that wanted to keep working. they knew they couldn't survive on social security. >> dr. hartmann? >> in the survey that we took, we asked retirees and near retirees before challenges that they would face. one would be not having enough savings, going to a nursing home, not being able to pay for health care but the single thing they were the most afraid of was the possibility that social security benefits wo