[laplata]

I’ll add that many people are very concerned about Pensions and Social Security.

[Starboard]

I’ll add that many people are very concerned about Pensions and Social Security.

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Agree. And if there should be a severe market correction other retirement assets could also decline significantly in value.

Few people in this country are sufficiently preparing for retirement. That could be a huge problem, and not that far down the road.