I wished that be true in the work force, you contributed no matter if you got a raise or not.  Some years no raises but you still contributed.  A retirement program should always be both employer and employees giving.  Did you take into consideration medical, paid vacations, to accept all you have been given especially a job, it is greed to have your cake and eat it too.  The fall out is going to hurt everyone.  Bottom line I should not be held to pay your retirement since you will not pay mine. At least when schools need money and knowing a lot goes towards pers and measure 97 the same I just do what Nancy Said to do for drugs but will apply to schools, pers, just say No, sure making voting easy.