Witnesses: John Doble, Doble Research Associates, Inc.; Brian F. Keane, Economic Security 2000; Martha McSteen, National Committee to Preserve Social Security & Medicare; Betty Knighton, National Issues Forums Institute; Dallas L. Salisbury, Employee Benefit Research Institute, & American Savings Education Council; & Erid Seidel, Tulsa, OK, & Walter Downes, Ionia, MI, U.S. Junior Chamber of Commerce. Also includes submissions for the record: American Association of Retired Persons; Kevin Kearns, Council for Government Reform; & Wilfred Plomis, Wilmington, DE.