And something else I've recently learned that I believe applies to your family, Oleg: "despite investment collapses worldwide, active and retired participants in <FONT color=#006699>New York
City's teacher pension system draw an exceptional taxpayer-guaranteed return of 8.25 percent annually on savings funds known as 403(b) plans. "

Wow, I sure wish the taxpayers would guarantee all of my investments... People who live in glass houses should really refrain from throwing stones.