1.   For starters, only about half of baby boomers have any retirement account at all.

2.   Many words are lavished on the need for workers to put money into retirement accounts.

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

4.   Vested the power to access their retirement accounts with their attorney.

5.   --Allow penalty-free withdrawals from individual retirement accounts to pay for the care of an elderly parent.

6.   Although SEPs are designed as pensions, they are actually individual retirement accounts.

7.   Also on the congressional agenda in the coming months will be legislation that Boxer sponsored with Sen. Jon Corzine, D-N.J., to protect employee retirement accounts.

8.   Also, workers who own retirement accounts might be more willing to add to them by saving more.

9.   Although most of these shares are held by the richest, millions of ordinary Americans now have mutual funds and retirement accounts.

10.   Although the president stopped short of endorsing any one reform plan, he signaled a new willingness to consider private retirement accounts as part of a revamped system.