Look at the real world, I worked for a company that was sold to an individual who legally took our pensions, our thrift and savings (pre 401k), raped us, sold us to a company who could not afford us, went through bankruptcy.  I thank Bonzo friend Ronnie for this.  I can tell you of people who retired, their retirement benefits, part of their pay being taken away and having a shell of what they earned.  Medical, the government workers have it made, look into the real world.