Really! Don't you know that we are all intimately familiar with what happened to our retirement. We all had front row seats and lived it. Does the term dead zoner mean anything to you? Your percentages are complete fantasy or delusional. (side note: If you disagree, then show your work with some actual math and evidence.) There is a difference but I don't know which it is in your case.

This post is much like your last one. You sound like someone who has been traded for cigarettes in a penitentary who then cheerfully proclaims that at least they used protection.

All this aside, are you happy with your your contract? Retirement? Benefits? Are you content with your compensation? Is this the new normal for you now?

I am going to guess that is not the case for most folks here.