we could do it verbalally but we need the removal of scott edwards and aaron bruek, from the consent calendar list. basically to the disability applications, one which we'll be bringing back next month and the other (indiscernible). >> president bridges: did you hear his recommendation, board members? if so, i entertain a motion that we adopt the consent calendar with the removal of scott edwards and aaron bruek, to be brought back to next month on the calendar. did everyone hear me? because i'm getting some feedback. is there a motion to adopt the consent calendar with the two exceptions noted by mr. harris. >> so moved. >> president bridges: thank you, commissioner heldfond. a second? >> second, commissioner safai. >> president bridges: thank you, commissioner safai. and moved by commissioner heldfond and seconded by commissioner safai to remove scott edwards and aaron bruek. to come back in the calendar for february. any questions or comments? if not, madam secretary, will take public comment at this time. >> clerk: thank you. callers, if you have not already done so, please press

we could do it verbalally but we need the removal of scott edwards and aaron bruek, from the consent calendar list. basically to the disability applications, one which we'll be bringing back next month and the other (indiscernible). >> president bridges: did you hear his recommendation, board members? if so, i entertain a motion that we adopt the consent calendar with the removal of scott edwards and aaron bruek, to be brought back to next month on the calendar. did everyone hear me? because i'm getting some feedback. is there a motion to adopt the consent calendar with the two exceptions noted by mr. harris. >> so moved. >> president bridges: thank you, commissioner heldfond. a second? >> second, commissioner safai. >> president bridges: thank you, commissioner safai. and moved by commissioner heldfond and seconded by commissioner safai to remove scott edwards and aaron bruek. to come back in the calendar for february. any questions or comments? if not, madam secretary, will take public comment at this time. >> clerk: thank you. callers, if you have not already done so, please press

>> scott barr with edward jones. >> that's great. i have a stepson who's life's work is helping people make investments for their security come for the retirement security. he is up north of detroit and so i very much, very proud of him and what he does. i have all kinds of interest in this hearing. used to be straight treasurer, when i was 29 where the the worst credit rating in the country. when the pension fund and not a dime in a pension fund. we had a different conversation program that was just a tragedy. it was such a screwed up mess. we were able to work with great governor, pete du pont and other others to straighten out the pension fund and that was something we could be proud of. i have a question for mr. kreps and if i could is actually focus on helping low income and nontraditional workers save for retirement. mr. kreps, i believe i think was in opening statement you introduce a a number of great proposals introduced by my colleagues adding aimed at helping low and moderate income people save for retirement. i was remind