“The promise of a pension and the limitation of opportunity was part of the bargain made with government workers. But Government workes took the sure thing rather than the greater risk associated with greater opportunity in the private sector. Many private employers are able to match 401(k) plans up to 12% and offer profit sharing. There is no profit incentive in government. There should be no pension just for putting in a minimum number of years but instead be the same as the private sector - employee contributions plus employer matching and a little bit of luck = your retirement.”