Well, define "massive". I've heard statement *akin* to things like a 20% cut in Social Security benefits *completely solves* the insolvency problems (I forget the exact number). Think about that. The way the hysteria is today, they make you think that there will be NO money for ANY benefits when, in fact, it's not true. Sure there are problems, but it's not like the well is running totally dry with NO rain at all.