When you look at the value of ERISA 3(38) fiduciary services, why would you ever offer your client ERISA 3(21) services?

I, like so many others, think the Census Bureau survey swerve reeks of under-handed statistical manipulation. At best, the timing sucks. At worst, its a straight up proactive cooking of the books, Enron-style.

Under a deal with the citys pension systems on cuts to retirees monthly payments, the two sides agreed to cap the amount overpaid retirees must repay at 20 percent of what they received.

Experts will take into account factors such as gender, place of residence and whether they smoke.