It is so true that you don't learn until you have trasmitted, whether it's the gospel or Social Security. I've shared with many people through the VPAC-DFW radio show and just talking to people about the real and urgent need for Social Security reform. Yesterday, I again had an opportunity to share the idea of why personal accounts must be a cornerstone of structural reform of the Social Security system with a few friends yesterday at lunch. Their #1 concern was the risk in the stock market, playing Russian roulette as Harry Reid was lying, the problem of people who think they know what they are doing but really don't and lose all their retirements. I had to explain to them that teachers, professors, federal employees and employees of Galveston county, Texas all basically are happy with their personal accounts and the risk is being minimized there with limited conservative lines of investment. I am getting them to start faxing letter of support for personal accounts to their congressmen and our senators. This article pointed out why the Democrats are doing what they are doing and also punch a whole right through their arguments that personal accounts allowing investment in high-yield stocks is risky.