The other issue to the baby bomber retirement issue, inflation, and unfunded pensions, the securitized retirement monies was spent/invested in Communist China to build their infrastructure, in addition to the forced technology transfer which created fake copy’s of American companies, who have no corporate governor or accounting standards… This way the communist corporations can look like they are competing with American tech, by using American technology against Americans… in addition to lying about their revenues bu 10-1000%… which of course attracted yet more American retirement money in the form of investment, which is a pyramid scheme…