Good points Jerry. Government pensions can't deliver what they promised and it'll be interesting to see what happens when the cops and fireman find out they can't retire at 40 and make more than they did when they were on the job.  The politicians will raise taxes to fund the pension for themselves and people will vote with their feet rather than pay high taxes on their homes.  Hawaii still has the lowest real estate taxes in the country.  Wonder how long that will last.