OMAHA, NEA report released Monday by the Omaha-based public-interest group Aurora indicates that increasing numbers of Americans are being defrauded by schemes that offer financial reward for a lifetime of hard work. 'People don't realize that long-term savings and loyalty to one company don't pan out,' said Sylvia Girouard, the study's author. Girouard added that steady employment which claims to offer long-term financial gain in the form of a pension plan is nothing more than an elaborate Ponzi scheme. 