now that this agreement is in place what will yrc do. i think you will see changes .but the main thing is pension funds will have to cut . how will they cut is yet to be seen. but i say , if you are thinking of retireing , you better put in your paperwork. because there will be a cutoff date to the changes that will come due to 25 percent contributions until 2015. it would be smart to have your retirement ready for your , john henry, just in case it comes quick. that way you can choose if you want to stay or retire. no one knows how it will change, it could be money, it could be early retirement,and or age . all is yet to be seen.