The "enough/not enough" analysis also seems to miss other more important retirement income problems - lack of coverage of employer pension plans, individuals' exposure to market moves in capital accumulation plans, sufficient savings to maintain 80% of a low income is still only 80% of a low income, is there any sense of the indebtedness of post 55 families, are more people moving into work longer (55-75) to make up for low retirement incomes, are health and welfare plans being cut at the expense of pension plans, etc. -------------- next part -------------- An HTML attachment was scrubbed... URL: <../attachments/20070219/0cd07d05/attachment.htm>