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GAO Report: Analysis of Reform Models Developed by the President's Commission to Strengthen Social Security
U.S. Government Accountability Office [GAO] 
Jan. 16, 2003
109 pages. "Regardless of whether an account is chosen, many people could receive monthly benefits under Model 2 that are higher than the benefit reduction benchmark. However, a minority could fare worse.... Benefits for those choosing individual accounts will be sensitive to the actual rates of return earned by those accounts." [GAO-03-310, Jan. 15, 2003]
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