You didn’t comprehend what I was saying. Not wanting to pay what the market commanded and instead offering a too good to be true retirement package started this mess to begin with. Handling other people’s money only works when the idiots doing the handling face criminal charges for misusing the funds. With the gooberment handling the funds, it’s legalized theft. I’m frustrated here because you aren’t “getting” what I’m saying. You keep saying “IF, IF, IF!!!!!!!” and I’m telling you IF the dog hadn't stopped to take a big dump he’d have caught the rabbit. With several state pension systems broke and Social Security on the way there later anybody still advocating for gooberment managed retirement (or healthcare) is >insert whatever insult to intelligence word you like<.