I don't intend to rely on my airline for ANY retirement. If some is there, great, but if I don't have anything put away for my self, then I have NO ONE to blame but myself. If these pilots flying past age 60 are so destitute, then they have NO ONE to blame but themselves. If they couldn't save enough money in 25-35 years, then another five surely isn't going to help them, especially in these bad economic times. If CAL does away with its lump sum payment, and those that stick around LOSE it ALL, they will get ZERO sympathy from me and just about everyone else. They KNOW what the score is, yet continue to gamble like they're going to win (they won't). How they could gamble with $750,000 or more is beyond me. But then again, if a smoker gets lung cancer after having smoked for 25 years, they don't get the smypathy band wagon from me either. It's time to start enjoying life after 60, not time to start putting away for retirement. Flame away..........