d) would have been very helpful 30 years ago, but the current retirement plans are less glaringly bad being just retirement accounts and not pensions. The problem is trying to make laws to address the problems of Tier 1 PERS that don't get struck down by the courts. b) would be ruled illegal for sure, not sure about a) and c). With a) you'd get an outcry from the firefighters and police that retire with 15 years of work life ahead of them and politicians would be reluctant to make an example of that group.