Hawken, I had gone to St. Louis this last weekend and some occupied for obligations. I have not seen wit of markets but had been told would receive a package from ADM for a lump sum distribution of pension. I was a part time employee and forfeited seven years as created problems for IRA contributions. Any acuarial table based on life expectancy. I would have to generate 14% return on equity for monthly benefit for lifetime benefit. It is my decision and a very generous lump sum to put in self directed IRA. They subsequently negate liability for future obligations. How many in govermenment would be willing to accept the same.> In that way the government could define obligation. I think there should a one time payout. I think Mitt is hoping to propose a similar condition.