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To: Skeet Shipman who wrote (1813)	6/18/1999 11:38:00 AM
From: Chip McVickar	Respond to of 3536

Skeet, Very Interesting.... Henry has been following this development and correlating future flows of capital as the boomer generation advances. If I remember correctly he anticipates serious changes after 2012±....and retirement complications play a big role in these changes. IBM's new retirement plan (and others) seems geared at retaining able bodied souls in bondage as well as taking them for a ride. Productivity gains, worker ratios and wage pressures from a decline of able bodies is another perspective worth remembering when looking forward. I hope the next Fed Governor is as good as Greenspan. Have a Good Weekend Chip