The worst part is not even the 8% (which is bad enough). These pension (pyramid schemes) plans also generally are modeled on healthcare tracking (generally) wit

The worst part is not even the 8% (which is bad enough). These pension (pyramid schemes) plans also generally are modeled on healthcare tracking (generally) with inflation and that salaries also track upward with inflation. The salaries go up so the contribution is greater that the same percentage 10 years ago. But then healthcare costs start growing 50% year over year and salaries get frozen for budget cuts and all three corners of the pyramid fall down.