Easy. When some suggest that deadzoners, which I've never seen clearly defined, get extra retirement benefits because of the sacrifices they've made. At the same time they're accusing those of us who don't fit their definition of being selfish, which is patently absurd since they have zero idea what everyone here has gone through. Additionally, there is only so much money that will be available for retirement benefits. It only stands to reason that starting a DB or an annuity will reduce the amount available for DC contributions. Everyone is entitled to their opinions, of course, and we all get one vote. Time will tell how this plays out, but it seems to me that dividing us up will hurt us rather than help us.