On 7/18/2012 6:03, BOB KLAHN -> JOHN MASSEY wrote:   
      
    JM>> I have No investing talents. There are people that do. Some   
    JM>> of those are friends of mine.   
      
    BK>   So, retirement planning that depends on having personal friends   
    BK>   with talent for investing is hardly a basis for national policy.   
      
   Didn't say it was. It works for me and I should be allowed to use it, with out   
   being forced to pay for everyone else.   
      
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