Please do read up on it and you can talk to Asher to learn more about the hybrids that have evolved to stem issues. You can also refer to Paul Samuelson on his take about the math of pensions and you should look at the political background when the first pension was introduced. You do not have to listen a word I say. But you will live to see it happen.That's a sweeping claim. Why don't you look at pension that work? Scandinavian countries and Canada.