So what happened, Rob, did your editor tell you to write something controversial? Usually you are right but not this time. CPP and old age pension don't provide a living wage. Most of us retired people don't have pensions. So that leaves the stock market. We have to be exposed to make any money, and that sucks. If we hold bonds and make 2.5%, the taxes and inflation add up to a losing proposition. The government should not be taxing inflation but they do. So our income is not fixed maybe, but it's at risk, and if the market has another 2008 it will be way worse than fixed.