IAPF.............hmmm..........International Anti Poaching Foundation. Now that's funny. Or is it some obscure financial place based in Ireland, that offers different kinds of pension schemes? What kind of scheming was there to post this PDF? Why was this offered up? and who is the person who offered it up? and what motivations did this person have? In a world of almost unlimited information and ease of access information, why can't anyone spend 3 minutes educating themselves? The A plan has suffered catastrophic reductions? Really? from what? the only reduction has been purchasing power due to inflation. And only that. I do not trivialize this issue, but to assign the reduction to something else is abject misrepresentation. Has the A plan kept up with our increase in pay? No. But that is not a reduction, that is a failure to improve the A plan as it relates to overall pay. And where does that responsibility lie? When I got here, there was no B plan of significance, just $500. That isn't the case anymore. If we are going to talk about income replacement, then, objectively all dollars from the company in the B plan and it's market gains have to be factored in as part of your income replacement argument. Also, at what point should any of us demonstrate some self responsibility? That is, above and beyond whatever you get in the A and the B plan, shouldn't you be saving on your own too? But, go do draft, get your $200k/mo, blow the money on the next bigger house, boat, Lambo with gold lug nuts, beach house, light twin, next ex with bigger hooters, etc etc. Half the posters on this thread scream MGMT to me.