Please discuss Social Securitys retirement benefits, including: a) who pays in to Social Security, and at what amount, b) how is the retirement benefit calculated, (including bend points and sample amounts based on made-up numbers of your choosing), c) what change can you elect to make that will increase or decrease the monthly retirement benefit amount and what is the numeric impact of said change, and what are the outer limits on this change that you can elect to make (that will increase or decrease the monthly benefit amount), and d) What can be done by Congress to make Social Security long-term financially viable?