CRIES of concern about the current deficit and the long-run financial soundness of the social-security system have become increasingly prominent in the daily press.  Congress has held hearings and appointed a special panel of experts to recommend changes in the benefits and financing. The administration’s trustees have issued a firm warning about the financial problems that lie ahead, and former President Gerald Ford responded by proposing an immediate $4-billion increase in the payroll tax and a major new study of the long-run development of social security.