There's a certain asymmetry here. If you're under 25, that'll eventually fix itself, but once you're over 40, you're going to be over 40 for the rest of your l

There's a certain asymmetry here. If you're under 25, that'll eventually fix itself, but once you're over 40, you're going to be over 40 for the rest of your life. Given that, it doesn't really make sense to treat these two cases exactly the same.