Employee benefits experts testifying before the Senate Finance Committee on Sept. 15 about tax reform options for retirement security largely called for retaining the current structure of retirement savings plans with some improvements, but one witness recommended an overhaul that would replace deductions with refundable tax credits.[Reproduced with permission from BNA Pension & Benefits Reporter, 38 BPR 1709 (Sept. 20, 2011). Copyright 2011 by The Bureau of National Affairs, Inc. (800-372-1033) <http://www.bna.com>]