I'm not arguing personal responsibility, just saying it happens, and we shouldn't be worried about MetLife taking over our pension plan. FedEx bought a big enough annuity to cover us. And MetLife still has to open the books to Federal regulators and do things in accordance with the law.Yep. Do people forget they have money in the bank? Do people forget they have money at Schwab or Vanguard? I would hope the answer to both is no. Then they shouldn't forget they have money coming to them from a pension. Personal responsibility.