First of all, the way this will work is that the funds will pass through the CRF to the account.
Our concern going forward is to make sure we don't end up in the same situation we've ended up in the past. The way we think we need to do that is to establish a cash reserve, and the best way to ensure that funds are protected is to turn them back to the people who earned them in the first place: workers.
So if we reduce premiums, that's the best way of all, in my judgment, to ensure that workers are protected, instead of taking the approach you're arguing for, because of course that $54 billion you're talking about would still be within the government. I'm arguing that the best way to protect workers is to give that money back to them.