If it is only short-term money I think the budget can handle that.

Roth IRA funds come from after-tax money, ... The change wouldn't cause a budget loss in the short-term, which would please those concerned about the deficit.

Current budget procedures stack the deck in favor of program expansion without regard to the burdens imposed on current or future taxpayers.

Who's going to be the needle mover in 2008, 2009, 2012? We can't think that short term. We have to think long term. If we would have thought short term, we would not have moved. We're going to continue to think long term. We're going to continue to think about how we can improve our product.

I think we have short-term memory loss,

There is no question that there is going to be an economic impact from the expansion in the short term. We're unsure at this point as to how great the impact will be.