This is truly the most reduntant issue for discussion. The reality is simply this: if you're a Captain, you are comfortable with age 65; if you're an FO, you are against age 65 (that is until YOU are made captain, then of course you will default to the first clause). The argument is pointless, as we all see it from the position that best benefits each of us individually. As for a B scale FO telling me that I am 'stealing' from someone because I want to work to a 'normal' industry retirement age...well, refer to your own expletive....