51.   He said firms are taking a less paternalistic approach and focusing more on attracting younger workers.

52.   He would allow younger workers to put a small percentage of their Social Security taxes into individual savings accounts.

53.   He wants to allow younger workers to invest a portion of their payroll tax in individual retirement accounts.

54.   If younger workers stop contributing, Social Security will go bankrupt or require new cash infusions from somewhere else.

55.   Included is a controversial effort to allow younger workers to invest some of their Social Security money in private investments.

56.   Indeed, even harsh critics of cash-balance conversions say that younger workers, particularly job-hoppers, are better served with these plans.

57.   Is it a devious tactic to reduce job security for younger workers?

58.   It has become, however, too much a good thing for the younger American workers who must pay increasingly punitive amounts of taxes to support it.

59.   Kerrey and Danforth also want to force younger workers to figure out their own retirement plans and stop counting on the government to protect them in their post-work years.

60.   John and I both agree that there needs to be personal savings accounts available for younger workers. . . .