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Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance for Morningstar.

And I'm Jeff Patak, Chief Ratings Officer for Morningstar Research Services.

Over the next two weeks, we'll be taking a closer look at the state of retirement security in the U.S.

And we'll be featuring two very different perspectives on the topic.

Next week, we'll chat with Andrew Biggs, a leading expert on retirement security

and resident scholar at the conservative think tank, the American Enterprise Institute. Our guest

today is labor economist and retirement expert Teresa Gillerducci. She'll offer a more progressive

perspective. She joined the new school for Social Research as a professor of economics in

2008, after teaching at Notre Dame for 25 years. At the new school, she also directs the

Schwartz Center for Economic Policy Analysis, which focuses on economic policy research and outreach.

Gillerducci has frequently testified before U.S. Congress on matters of retirement

planning. She has also published numerous research pieces in economics journals and has authored

several books. Her most recent rescuing retirement is co-authored by Tony James, Executive Vice

Chairman of the Blackstone Group. She received her bachelor's and doctorate

degrees in economics from the University of California at Berkeley. Teresa, welcome to the Longview.

Thank you. Thank you for having me. Thanks for being here. One question we've put to several of our

...