now we turn to ross eisenbrey. >> thank you for inviting me. >> i am ross eisenbrey. >> together we represent over 50 million people to strengthening retirement requires strengthing social security. the retirement usa, just this month happens to be in the middle of "wake up washington" month and let the policy makers and the american public realize what a crisis we're actually in in retirement savings. the three legged stool has always been wobbly for most americans. it has one sturdy leg. social security, employer-provided plans and personal savings. social security covers 97% of employee, provides more than half of retirement income for 55% of seniors, and a quarter of seniors get more than 90% of their savings from social security. the second leg, personal savings, as you just heard is not very substantial. it's been shrinking has middle class incomes has squeezed. the third leg, employer-provided pensions have never covered more than half of employees. but the quality has decreases with personal retirement plans disappearing. the reasons are well known. they don't provide lifetime benefit

now we turn to ross eisenbrey. >> thank you for inviting me. >> i am ross eisenbrey. >> together we represent50 million people to strengthening retirement requires strengthing social security. the retirement usa, just this month happens to be in the middle of "wake up washington" month and let the policy makers and the american public realize what a crisis we're actually in in retirement sangs. the three legged stool has always been wobbly for most americans. it has one sturdy leg. social security, employer-provided plans and personal savings. social security covers 97% of employee, provides more than half of retirement income for 55% of seniors and a quarter of seniors get more than 90% of their savings from social security. the second leg, personal savings, as you just heard is not very substantial. it's been shrinking has middle class incomes has squeezed. the third leg, employer-provided pensions have never covered more than half of employees. but the quality has decreases with pernal retirement plans disappearing. the reasons are well known. they don't provide lifetime benefits. employee