I would not be opposed to devising a new system of pensions, in which one part was based on collective provision, but which also gave incentives for people to take out an additional, personal plan.
You can imagine what a dorm room environment is to a CF parent. It's like, oh my God. It's crazy.
Well of course there's been a great deal of progress over the last 40 years. We don't have laws that segregate black people within the society any longer.