program has invested in, it's what tax rates have you been assessed and what does that benefit from ilyse it is going to give you and those determine your personal internal rate of return. if you look at how different people are treated there are certain broad trends you have to look of the system treats everybody. you can't just look at the bonds, you have to look at the whole package. there's certain trends. one is if it redistributes from higher to low-income people generally and the system redistributes money from leave her birth years to earlier to people who retired on social security first got a lot more back than they put in and then the next generation came and they were finding their benefits. the reason your personal return from social security might be low is because of because what is happening with the bond and trust fund but because you're dollars paid for the previous generation. as it happens, the worst treatment by far is going to be for young third-generation zandt this is one reason why it's so important to reform the system early because if you exempt people now from