Indeed Audi-P. But if one trusts their retirement to state fund managers (e.g., CALPERS) they just add another level of skullbuggery. Also have you noticed how PIRATE EQUITY firms steal company pensions when they drive their plunder into bankruptcy. See: https://medium.com/@daneke/the-rise-of-pirate-equity-and-the-fall-of-american-business-f6e5ebc07f5b Our economy is run for the care and feeding of "Vampire Quid" . SERFS UP!!!!