Although the impending insolvency of the retirement Trust Fund, now projected for 2032, has been known for some thirty years, the 2026 Trustees’ Report significantly deepened the long-run funding shortfall, mainly by reducing the assumed fertility rate. It is clearly better to act now than to wait and rush at the point of actual Trust Fund exhaustion. Keeping the legislative parameters within the current program means that neither personal retirement accounts, which could raise expected benefits, nor higher inheritance taxes, which could raise revenue more equitably, can be considered. Traditionally, Social Security reform proposals are designed to produce solvency over 75 years. While one is sympathetic to the motivation for the PROMISE bill, current law already has a mechanism intended to force action, and it has not worked.