gugi I get your math and reasoning but you are missing a factor. When my Father past my Mother started to receive his pension being the higher of the 2. (she had 1 with the same company). Gas was about 1.25 a gallon then. Bread was 50 cents a loaf. She may live longer than her Mom who passed at 102 1/2 last year , but things are going to coast a lot more by then and her income will not go up to meet those costs. These costs are driven up by the same people who ,,, well pay that pension and todays wages which have pretty much stood still for the last 20 years . Just saying :<0)