I agree. What job does any regular employee have that after a 4 year term you get lifetime benefits of health and retirement in the way of a permanent payable pension. Most companies have done away with pensions. Count yourself blessed if you have one. Then you look at the legislative individuals who have discussed taking our 401K's and what investments we might have. They have discussed taxes on future investment gains. Tell me how the HELL you know what a stock is going to do? You don't it's a crap shot. Let's not forget what Congress passed during OBAMA's term. Summary: banks go belly up they can seize all account monies. Monies that don't belong to any of them.