I knew I'd hear this as a response, and that makes sense. But if it's not around when I have a medical problem, then it might not make sense. I'd like social security too, but I'm not counting on that. Respectfully to all those who are invested in the fund, and I know that's almost everyone according to DPMA, I'm looking for a reason to join it, but "just do it" isn't really that compelling. What other investment decision would you make this way? Thanks.