1.   That extra money would then be diverted into personal retirement accounts.

2.   And he is right that personal retirement accounts are an important part of the long-term solution.

3.   Beard would slowly replace Social Security with a system of personal retirement accounts.

4.   Bedlin, who believes personal retirement accounts should be an addition to existing Social Security benefits, agrees action is needed.

5.   A better alternative is to replace Social Security, over time, with personal retirement plans.

6.   Bush has been an ardent advocate of the personal retirement accounts, which are part of the Republican Party platform.

7.   Bush would use the same money partly to reduce the debt and partly to finance a new system of personal retirement accounts.

8.   But Clinton is at least considering ways to allow individuals to divert a portion of their payroll taxes to personal retirement investment accounts.

9.   But younger workers, he said, could choose to invest their Social Security money into personal retirement accounts that they alone would control.

10.   For reform to make a difference, personal retirement accounts must be funded with real-world assets having marketplace value rather than fictional government accounting contrivances.