Any comments about Mr Madoff?

[Clodfobble]

I don't know exactly what PERS is, but if it's a state-run retirement program, then in general the rule is you can't take both. My mother-in-law is a teacher: in Illinois, teachers pay into the normal SS system. But in Texas, where she moved later in life, teachers pay into a special state retirement program. She cannot collect both. At this point, her teacher retirement payout will be much more than SS, so obviously she knows which one she's going to choose to take, but she has basically just lost those ten years or so that she was paying into SS.