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The retirement savings and assets of an entire generation of Americans are stashed away in this small town along the Ohio River: $2.5 trillion in IOUs from the federal government, payable t o t h e S o c i a l S e c u r i t y Administration. It's time to start cashing them in. For more than two decades, Social Security, the federal pension system, collected more money in payroll taxes than it paid out in benefits — billions more each year. Not anymore. This year, for the first time since the 1980s, when Congress last o...