Of course I do not 'work on the premise that your company is going to go bust' but then again I'm sure that the unfortunates at Sabena, Swissair, Pan Am, Branniff, Enron, Worldcom etc, etc. etc. didn't either.
All I am saying is that companies in todays volatile markets are carring an awful lot of debt and many have huge black holes in their pension schemes - I am sure that we will see more companies go down and take their employees pensions with them.