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<div style="background:#fff;border:#bbb dashed 1px;padding:5px"><a href="http://www.citatepedia.com/comments.php?id=211801" style="color:#000;text-decoration:none"><a href="http://www.citatepedia.com/comments.php?id=211801" style="color:#000;text-decoration:none">But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by.</a><br><br /></a>quote by <strong><a rel="author" href="http://authors.citatepedia.com/by.php?a=John+Shadegg">John Shadegg</a></strong></div>

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