Thanks, Thomas. By “default” I meant that Soc Sec wouldn’t be able to pay fully promised benefits from revenue sources specified under current law. That now happens sooner. They can always pass laws that change Soc Sec revenues and/or benefits. The new “fairness” Act increases benefits and doesn’t touch revenues (except maybe income tax on higher Soc Sec benefits). Is this not correct? If not, please tell me what I’m misunderstanding.