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Thank You Kelly and welcome everyone we've all heard the headlines about retirement security in the US for example more than 40% of Americans are at risk of going broke in retirement and that's the good news is one another most americans nearing retirement who should be saving are saving and my personal favorite you're probably not saving for retirement and that's okay clearly there is much debate going on about whether there is a retirement crisis in the US and if so when its magnitude is getting this analysis right is critically important as policymakers consider reform proposals gear to increase retirement savings and reduce the retirement deficit I'm Laurie Lucas president and CEO of the Employee Benefit Research Institute and I'm happy to present our briefing addressing these topics and more in today's analyzing policy and design proposals webinar a breeze research director jack dander hi will provide analysis from several di

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