HF how right you are, I am meeting an awfull lot of people who think its not to bad, scratch under the surface and it is. A Captain was telling me how he did'nt care since he was going in a few years and had 28 years service so at 55 it would'nt make a large amount of difference, his face turned sour when I told him he would need to wait until 60 possibly 65 to collect said pension.