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Liability, you're already in the state constitution and they have to face that and i think they're going to have to force state workers to start to accept benefits that are closer to what the private sector are. >> stuart, another thing the states have to do, raise the retirement agent. you've got situations in ohio where teachers making $100,000 a year can retire at 54 and they can retire and rehire and collect a paycheck at the same time they're collecting a $80,000 pension. this is bankrupting states. they have to cut pay and have reductions in force, because the only people who haven't had...

Liability, you're already in the state constitution and they have to face that and i think they're going to have to force state workers to start to accept benefits that are closer to what the private sector are. >> stuart, another thing the states have to do, raise the retirement agent. you've got situations in ohio where teachers making $100,000 a year can retire at 54 and they can retire and rehire and collect a paycheck at the same time they're collecting a $80,000 pension. this is bankrupting states. they have to cut pay and have reductions in force, because the only people who haven't had...