The industry is being forced into hiring older pilots that have less time to build a survivable retirement. ALPA needs to wake up to this and start doing the right thing for all there members ( they have never done that in the 59 years I have been eating from their contracts.) Look at reality, we need a mechanism to get as much retirement funs into accounts as early as possible. The way it is now it is backwards. I have hit the IRS limit in September, the rest goes in to my RHA VEBA account. I have over $65K in that account and have 5 more years to go until retirement. You can only use the RHA money for Health Care. Unless the government changes the way Health Insurance is used I will never run out of money in that account. Use the money or loose it.