That's all good if you wouldn't try and change what was being discussed to fit your own flavor, it was pretty simple, he said with his pension and his 401k he would be drawing more that a teamster pension, I said basically then throw my 401k in the mix and then that changes that!! Then you come along with IRA's and that was not what was it was about!! I've got a boat load of real estate, should I throw that in as retirement?? If so I'm sure I would triple him in revenue! But we weren't talking about anything except pension and 401k period. Enough said, take it and run with it. I really don't care at this point because I can tell from past experiences that with you there is no resolve!!