Rep. Phil English (R) of Pennsylvania says Chairman Thomas "played a very important role in reminding those involved in the debate that there are number of things we can do that will improve the solvency from Social Security, quite apart from the creation of individual accounts. And he also correctly and directly made it clear that individual accounts by themselves will only marginally improve the performance of the system overall."

Private accounts will only "marginally improve" Social Security. Can we bank that quote?