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Industry is not alway solid. Changes happen occasion. The history of a company doesn't always predict future cash stats. The business landscape can change, affecting the company drastically. However, a DB plan has protection against a standard market crash and a DC plan doesn't, therefore if retirees lose their profit in the market they're just out of luck. Likewise, there were many inherent flaws together with passing of this ERISA law that were not addressed is going to also lead for the biggest stockmarket crash ever. David and Tom may not be fa