1) Does the government backing of pension programs create a “moral hazard” What is a moral hazard anyhow?2) SINCE SOCIAL SECURITY WILL NOT BE FULLY FUNDED IN THE FUTURE AND COMPANY PENSIONS MAY BE IN DOUBT, WHAT SHOULD YOU DO TO PREPARE FOR RETIREMENT? IS THIS A UNION–MANAGEMENT ISSUE THAT IS EASILY RESOLVED, DOES IT HAS SOCIOECONOMIC IMPLICATIONS?Thanks
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