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Liebman : The benefit of having personal retirement accounts in the plan is that if we ’ re going to spread the burden across generations and start putting some extra revenue into the system now , we need to have a way to save that money so that it doesn ’ t get diverted to other purposes , as the current Social Security surplus often does . Mr. Ford recognized the personal political damage he would suffer . Fourth , we agreed to have personal retirement accounts in the plan , but the accounts were heavily regulated . It is only through the attainment of the bomb that Iran can negate the nefarious American plots to undermine its stature and power . A depraved , murderous dictator , Saddam squandered his people 's natural wealth ; he took one of the Arab world 's more educated and industrious peoples and stamped out their freedom , creativity , joy of life , even life itself . We found that families who had come to some personal decisions about being ready to adopt wanted someone on the other end of the line to be warm , comforting and helpful . Behind this shortcoming lay various institutional and market distortions associated with industrial and other modern-sector activities in low-income environments .