1.   Individuals could invest in stocks and bonds themselves, creating their own retirement nest eggs.

2.   And they are increasingly rallying around the idea of having the Social Security system rather than individuals invest in the financial markets.

3.   Bush has proposed letting individuals invest a portion of their Social Security contribution in stocks or bonds.

4.   Bush wants to harness the power of the financial markets by allowing individuals to invest a portion of their Social Security payroll taxes in stocks and bonds.

5.   Bush wants to allow, but not require, individuals to invest part of the payroll tax in the markets.

6.   But proponents of privatization counter that most individuals will invest in stocks and outperform the trust fund.

7.   But their basic approach is to establish personal investment accounts within Social Security through which individuals could invest in stocks and bonds.

8.   Carnahan, however, said he was wary of plans to let the government or individuals invest too much of their Social Security money in the stock market.

9.   Conservative groups called for Social Security to be revamped to include private investment accounts through which individuals would invest in stock and bond markets.

10.   Franks, like Republican presidential candidate George W. Bush, would allow individuals to invest part of what they would otherwise pay in Social Security payroll taxes.