look...don't shoot the messenger....the vast majority plans in the public sector have been Defined Benefit Plans...you get pension $$$ for time on the job..OK..Fine ..Joe Blow #1 is on the job....makes his 20yrs or (what ever)..punches out & heads to Fla....Joe Blow #2 gets hired to replace #1.....get it?...etc...you can 3  to 4 Joe Blows collecting pay checks for 1 (ONE)  F/N job......that is a Ponnzi Plan doomed to failure....& Doom is knocking on the door...NOW