For the past 12 to 14 years, Clark has been stressing the need to end our belief in the Social Security system and start our own individualized accounts. President Bush talked about it in his State of the Union address the other night, and that is something no other president has done. But his proposals are somewhat weak, in Clark’s opinion. Bush’s proposal allows people to put only $1,000 a year into an account. That doesn’t deal with the issue of the lack of savings people will have at retirement age. People 35 and younger were recently polled and overwhelmingly supported the idea of investing personal retirement accounts in the stock market. Meanwhile, people age 65 and over are horrified by the idea of any change in the social security system. That’s why Clark thinks there should be a strict divide based on age. For people who want a new system, give it to them but make investments mandatory. Taking 10 percent of each paycheck is what Clark proposes. For older folks, let them keep with the status quo. That way everyone gets what they want.