Excerpt: In a U.S. Social Security debate in which partisans cite facts selectively to justify their positions, newspaper columnists occasionally turn for perspective to veterans .... One is Edward 'Ned' Gramlich, a U.S. Federal Reserve governor who chaired a Social Security advisory commission a decade ago. [M]r. Gramlich argues that it's time to fix Social Security. He advocates private accounts -- as long as they're on top of Social Security, not created by diverting payroll[.]