I guess your saying that payouts across the board will be 25% short? I guess that is some comfort from the fact that I know I 'have' to pay in to a system that

I guess your saying that payouts across the board will be 25% short? I guess that is some comfort from the fact that I know I 'have' to pay in to a system that I have no choice in and at least get 75% of my money back at some point.