We get this criticism frequently, and the break occurs at the same point every time.

Everyone understands the concept of Spend Less, Make More.  In many cases, they ask how can you Spend Less without cutting benefits.  Most everyone understands the principle of choice.   As you have more choice, you get want you really want.   So more choice will mean better benefits.  The fact that they cost less to provide is irrelevant to someone who has freedom to choose.  In this case, people value the security of certainty more than the value of the money itself.

Where the plan gets complicated, is in the 20 pages of detail.  It gets complicated in financial terms like shared-risk, and privatized income streams.  I encourage you to send us emails if it is confusing.  We will do our best to explain.  What is important to understand now is the concept of Spend Less, Make More.  And the way we accomplish that concept is by creating new benefits that people want more than the old ones.  It is just like your business; when business has trouble it creates new products and makes existing ones better.