In the aggregate, these moms having sex with teens industries

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In the aggregate, these features create real value for workers and employers beyond the "mere" tax-favored accumulation of retirement savings dollars. The main sources of defined benefit industries plans value creation are that these plans pool longevity and investment risks, provide for higher net returns on investments, and allow employers to more fairly manage their workforces (particularly in slow economic times). Value creation effectively reflects the ability to provide greater benefits for less total cost. Pooling longevity risk creates value in two ways. To understand the first, consider how long an individual will industries need to receive retirement income. If the individual's retirement savings are adequate to last the average life expectancy, he stands a 50-50 chance of outliving his savings. In all likelihood, these are not the odds that an individual would choose for such a critical issue.
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