My next door neighbour and I over supper the other day were discussing our retirements. He had been working through a millwrights union for twenty years. His hard work shows on him as in he looks a lot older than he really is. Most of my retirement is tied up in real estate. And with the economy so down I hope someday that the real estate market will recover. Luckily I have my job also. After agreeing with martin hanaka with my great attitude I say I am officially vested into the program.