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Phil: I'm very much open to a better name. If you, or anyone else, can come up with a way that expresses that we need to use the surplus for personal savings to help offset the entitlement crunch, and do so in a way that is positive, please let me know.

On another point, I think using the surplus for the purpose of personal accounts would put pressure on Congress to keep spending down. After all, if spending goes up and eats up the surplus, then bye-bye money going into personal accounts and hello angry voters.