You have it about right. You did not mention the democratic party run AARP. They support anything that will hurt Bush. (Even though Bush got their support for his drug plan, they AARP quickly kicked him in the rear by saying that the plan was not all they wanted. The AARP has been agains private accounts because they will take money from the government and keep it in private hands, thus the government has less to spend to buy democratic votes. Of course taking the money from the government is the only way to stop the government from spending it. Much of the ove 55 crowd believe the AARP is looking our for their interests, and overlook the support for democratic party interests, but FDR was part of the democratic party, so maybe they are the same.
AARP = DNC violation of so called "Campaign Finance Reform Laws"
The AARP also sells high fee mutual funds for retirement.