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Greetings, Neil, and welcome.

<<Sure, it might be there, but if the payments are inconsequential, which they eventually will be, and the retirement age is so late (I don't think this will happen), then, effectively, it is gone. Personally, I am planning like it will be gone, and if I get some, fine.>>

And that's a perfectly legitimate planning procedure. The worst that will happen is you'll end up with too much money. What a revolting development that would be!

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