At the risk of inducing a collective yawn, I am going to reminisce a little. Forty years ago, expectations were to develop a craft, perfect a skill, or learn a profession. Workers then applied that knowledge to business and industry in exchange for salaries and benefits. They exchanged work for pay, insurance and a large staple of retirement in the form of guaranteed pension income for the rest of their lives. They would also receive health care for life as a supplement to Social Security and Medicare. Social Security would be perhaps 35% percent of a retirees income with pensions contributing about 40%. The balance would be from personal investment income.