Social Security
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With the Social Security system forecast to start losing money in a decade -- and to run out by 2040 -- Democrats are united in how they do not want to fix the problem: They reject President Bush's idea to divert some of the system's payroll taxes so that working adults could invest that money in private retirement accounts.
Democrats are far less certain how they want to fulfill their campaign promises to preserve Social Security. The options -- all of them painful, some of them expensive -- have been clear for years: raise taxes, reduce benefits or make Americans wait longer to become eligible for Social Security checks.
Key Democrats acknowledge the issue is difficult and do not regard it as one they can deal with quickly. Rather than producing a Social Security plan on their own, they prefer, at least for now, to try to forge a solution jointly with administration officials and congressional Republicans.



