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Just stopping you for a second. So your employer is fulfilling his legal requirements huh? Is that a bad thing? Oh, and could you please explain exactly on what moral grounds you base the assumption that somebody else should have to fund your later years?

Here is a reality for you Ernest. I recently was at a trade fair touting for business. I was chatting with the head of a company that I was hoping to deal with in the future, during the conversation one of his staff came over and interrupted and invited me to donate to the company's chosen...