Yeah, but I don't trust finance to be wise and safe. Rather like sick gamblers. Way too much finance is unhinged from the profit/loss potentials of business. I don't trust government to leave investing programs in place and unchanged. Already, news is circulating that Obama wants to change the tax structure of 401k's. You could respond with a , yeah but, also. That's just a tie score of if ands and buts. Can you come up with something in today's insecure financial world that's not a total krapp shoot?