Until ~ 01/2010 unless QOL means nothing to me. Don't get me wrong, never mind TIC, I do believe we are all collectively better off than either one of us would have done on our own. It's just not the "win" its made out to be - the upside is we will all be probably be able to retire from the same company. Better than many can say right now. There are 12000+ shoes here, and some do decidedly better than others (on both sides). Just saying.....