everyone is worried about having a job, and I agree. It is pretty scary not knowing how you are going to pay the bills. I worked for a company that the IRS came in and locked the doors 2 weeks before Christmas with 2 small kids in the house. My mom worked for Sears for 45 years with no retirement plan. She now lives on 1200 per month. Can you live on that???? Without our pension you can not retire. Do you want to work until you are 70?