Michael Yates, I just remembered that Ellen Frank wrote two good summary articles on social security that were both very clear. One she published in Dollars and Sense, and one she circulated to anyone on the list who asked. (This was a year ago.) Maybe she'd send them both to you if asked. Her email number back then was frank at emmanuel.edu
Michael
__________________________________________________________________________ Michael Pollak................New York City..............mpollak at panix.com