Solvency of Program with Trust Fund

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The chart in the previous post does not represent reality because it ignores the interest that the Trust Fund is earning. With the interest included the lines for the Low Cost assumptions never cross - the combination of PAYGO and Trust Fund creates a fully solvent program.

In my opinion, while it seems likely that an adjustment will need to be made to account for changing demographics, I think the decision point is 10 to 15 years from now when we have a better idea of which curves we are following.