How do you handle the transition? Either the changes aren’t retroactive and the transitional generations have to fund their own retirement and the grandfathered folks, or they are retroactive and the elderly are either destitute or again supported by people funding their own retirement.

It would be an immense cost on those transitional generations. It seems terrible for the economy. Workers now have to save more of their paychecks, but also need compounding growth on stocks to make retirement feasible.