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Depending on who you talk to, the future of Social Security is either in the toilet or completely salvageable. So who do you believe?

The U.S. Social Security Administration’s 2012 annual report for Social Security reiterated what the report has said for two years, that the program “cannot sustain projected long-run program costs under currently scheduled financing, and legislative modifications are necessary to avoid disruptive consequences for beneficiaries and taxpayers.”

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