Knowing that inflation erodes the A plan buying power, if enacted wouldn't your plan force people to work harder to help their retirement? (More so for the increased B plan, but to some extent profit sharing.) Working harder seems like a gripe of many who oppose the VB. It seems, at least in terms of a beefier B plan, in addition to working harder, it would have people upgrade sooner. This too seems like a gripe I have read about the VB Plan.