yes...that is one of the problems...."gaming the system"  , promoted by the unions....yada yada...the Fed has keep rates low for years & now is trapped about raising them...the average pension fund needs 8% to stay solvent..BUT gov't pensions are required by LAW to invest gov't paper as the major source of investing..aka Social Security...this is the END OF TIME ,,,,democrats killed a plan to turn Social Security into a Sovereign Wealth fund years ago (I know someone who was in the room at that meeting)....time to take the view from boxing...the last thing you hear from the Ref before the bell rings is,,,"protect yourself at all times"