It is clear by now that the Republicans have completly botched the issue of private accounts and that the Goverment is once again going to sack the taxpayer with higher Social Security taxes and lower benifits. While this is inevitable, there is something which could be done to make it more palatable. There needs to be a mechanism for transfering funds from a regular IRA to a Roth IRA with a low one time tax and no penalty. (ie. $7500 per yr. @ 10%) This would allow future retirees to build their tax free accounts which would raise their actual retirement income. It would also increase present tax reciepts. While it is true this comes at the cost of future taxes I do not think that will bother Law Makers as passing problems onto future generations seems to be what they do best. If you like the idea e-mail your representitive.