So you are a member of PERS, it is best to stop talking to you about this, I will add that common-sense values are hard to find today, and that is JustDucky, true values are those that people are not afraid to put there name to what they believe and not have that loop hole in common-sense values to hide behind.  Please have a good day, enjoyed the conversation, but we both know this is going no where and best to stop.