I agree but that doesn't mean we shouldn't be paying for expert opinions or be talking to the company now. Personally I think we should keep our current plans and supplement them along the UPS model with $1500 or so a month extra for a 25 year retiree. Of course, like the UPS model (or our current sick buy back), it would have to expire and be renegotiated for new retirees with each contract to avoid PGBC fees.